5
out of 5
POSTED: | BY: karen
Couldn't be more pleased
Very responsive. Seem to really care about your pet. The people I have communicated with are very pleasant and knowledgeable
4.9
out of 5
Number of reviews 76,971
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
5
out of 5
POSTED: | BY: Eric Alguire
Excellent Service
We are very pleased with the coverage options offered and those that we selected for our dog. Some friends laughed when we said we had health insurance for our dog but we figured that one major accident (like her getting hit by a car) could cost as much or more than almost ten years of premiums. Well our dog has developed a few other, minor health issues and as far as I am concerned having PetInsurance has already paid for itself. The claim process is easy, and we get reimbursed the covered amounts within a very short time. We highly recommend Trupanion PetInsurance.
5
out of 5
POSTED: | BY: Karen Merriam
Great experience!
We signed up for an introductory trial offer of insurance for our two-month old Labradoodle with Trupanion. The company had been recommended by our Veterinarian. Within the next three weeks we had to use the insurance twice - once for a vaginitis and next for a foxtail in the puppy's nose (ouch). The Vet office sent in the paperwork for reimbursement to Trupanion and immediately Trupanion communicated that they had received the claims. Within days they sent another email describing what portions of the claims they would reimburse, and soon we received the checks in the mail. It was quick, efficient and generous in payments, especially since the first month trial offer carried no deductible. We are very satisfied with Trupanion and will continue with their coverage. Their efforts to communicate clearly and quickly are much appreciated.
5
out of 5
POSTED: | BY: Deborah Alderson
So pleased
After spending $10,000 on one of my uninsured pets a few years ago, I knew that I had to get all of my pets insured. I did a lot of research and Trupanion was the one to fit my needs. Unfortunately, my lab ended up with cancer and it was such a load off my mind to know that I didn't have to worry about costs, I could go ahead and get her the best treatment. Trupanion has processed all my claims promptly and I have received my reimbursements in a speedy fashion. I highly advise Trupanion for pet insurance, my experience has been so positive.
5
out of 5
POSTED: | BY: Carry Bruce
Excellent service
We brought our dog in for increased coughing and the vet found that she had a heart murmur so proceeded to do ex-ray's and found she had an enlarged heart. We then had to do an EKG and heart ultrasound. My vet direct billed Trupanion and the claim was instantly paid and I just had to pay my portion. I would highly recommend this company to anyone who has a pet because speaking from experience vet bills can get very expensive and if you don't have insurance there are times that you may be in the position to have to say no to treatment but with Trupanion this decision doesn't have to be made!!!
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