5
out of 5
POSTED: | BY: Susan Murray
Quick Payment of Claims
I have been extremely satisfied with Trupanion. The coverage has been extraordinary and payments have always been made quickly.
4.9
out of 5
Number of reviews 77,346
Pets can be full of surprises-so their insurance coverage shouldn’t be. That’s why Trupanion is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets.
Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process.
To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month.
1 Based on a November 2020 internal study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy.
* Terms and Conditions apply. Policy details vary by state, please review your states policy for full coverage details. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay.
Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products.
Source: Survey commissioned by dvm360, from April 19-June 9, 2022
1
out of 5
POSTED: | BY: Cristina Andreassi
Teririble waste of money and time
I've never been so upset with a service in my life. My pet has had multiple issues that I've taken her to the vet for. Apparently Trupanion sees these all as one issue that is "preexisting" so after 4 months of paying $300 for an insurance plan I don't even get anything applied to the deductible. Each time she's gotten sick it's been a new episode. Canceling my plan ASAP. Read the veterinarians review from August 2nd. Wish I'd seen that before I signed up in March.
5
out of 5
POSTED: | BY: YVONNE LALLEMAND
Great insurance / great experience
Have had Trupanion for 5 yrs for my dog, a wonderful rescue. For last 2 yes she's had a couple of issues including hospitalization for 3 days. My bill was over $4000! Trupanion was wonderful-- they provided a pre hospitalization estimate so I knew what was covered and what wasn't. They covered most expense at 90%!! Not even people insurance does that. I received my reimbursement even before my credit bill arrived and most importantly the people I spoke to were so nice, professional and caring. Try to get that elsewhere. My monthly premium is worth it -- and now they cover dental -- my vet couldn't believe it until she read my policy and is now letting her patients know. Trupanion is the BEST👏🐾👌
5
out of 5
POSTED: | BY: Beryle
TG for Trupanion!
Our darling little Havanese rescue was just dx'd with bladder stones with a total, so far, of ~$2K in costs! Trupanion didn't blink an eye, paid a significant portion, and with this peace of mind, we can go forward. No worries about choosing between caring for our pup, and paying our routine bills, eating out, and planning vacations! THANK YOU, Trupanion!
5
out of 5
POSTED: | BY: Orphan Dog
Excellent service and response time
My male lab had a torn ACL requiring expensive surgery (over $4K). Trupanion paid the full 90% of the bill less the deductible. I'm surprised and happy. Now I have all 3 dogs insured for slightly over $100/month. The customer service reps are the best! They are helpful and pleasant to talk to. Everyone seems to have pets and good stories.
Got reimbursed in under 10 days.
Monthly Cost
Your monthly premium is determined by multiple factors including your pet’s species, gender, breed, age, zip code, and the deductible amount you choose if your policy allows.
Coverage
Depending on your plan, the Trupanion policy pays up to 100% of your vet bill for all eligible expenses. There are unlimited payout limits, always and Trupanion will never increase or cancel your coverage because of claims you submit. Coverage includes new accidents and illnesses, hereditary, congenital, and chronic conditions, diagnostic tests, hospital stays, and much more. Trupanion prides itself on paying out more on the dollar than any other provider and has paid out nearly $2 billion in claims to date.
Payout Limits
The Trupanion policy* has no payout limits, so whether your pet needs one quick visit or a lifetime of care, your coverage won’t quit.
That can mean a big difference if your pet develops a chronic condition requiring extended care like allergies, diabetes, or even cancer.
Deductible
If your Trupanion policy has a deductible, you can customize it to fit your budget. You can choose from $50 to $1,000 in increments of $5, or choose to have no deductible at all. Trupanion deductibles are per-condition and good for the life of your pet. That means no annual resets-once a deductible is met, you never have to pay the deductible for that condition again.
Age Limits
All new pets can enroll from birth until their 14th birthday. Once your pet is enrolled, they can be enrolled for life
Waiting Period
Waiting periods vary by state. Please see your states policy for full coverage details.
However, other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.
Exclusions
Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like:
Examination fees
Wellness and preventive care
Elective, or cosmetic procedures
Sales tax, where applicable
Like many other pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early!
* Terms and Conditions apply. Coverage may vary by state. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay.
Underwritten in Canada by Omega General Insurance Company and GPIC Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit AmericanPetInsurance.com to review all available pet health insurance products.
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association.
We’re committed to sharing industry data, supporting animal welfare organizations, and working with federal and state regulators to help more pets get better care.
Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion:
24/7/365 Member Support—yes, even on holidays
20+ years of experience
Nearly $2 Billion paid in claims
Over 800,000 pets protected
Unlimited Payouts
The only provider that can pay your veterinarian directly at checkout*
Accepted everywhere in the USA, Canada, Puerto Rico, and Australia
* At participating hospitals