5
out of 5
POSTED: | BY: Lindsey Pelechytik
Great company
Great company. Fast and efficient. Have been a client for 3 years plus and am very satisfied
Read more on Trustpilot
4.8
out of 5
Number of reviews 25,879
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.
Trupanion was founded in Canada and provides bets-in-class coverage and 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.
To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month.
1Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy.
*Terms and conditions apply. Please view your sample policy for complete coverage details.
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.
5
out of 5
POSTED: | BY: Sharon Rempel
Poppy - Boston Terrier
My 7 1/2 year old Boston Terrier Poppy was diagnosed with a heart condition a few years ago and Trupanion has been so wonderful in assisting me by covering a good portion of her heart medication. As well, Poppy had a serious eye condition (corneal ulcer) in the Fall of 2023 where they also helped me by covering the expenses after the deductible. I appreciate their help so much.
5
out of 5
POSTED: | BY: Sharon Rempel
Thank you.
I appreciate so much the assistance Trupanion has provided my Boston Terrier who has a heart condition.
5
out of 5
POSTED: | BY: JG
Absolutely Worth it
Absolutely Worth it!
Although I wish it covered emergency Consults, and the HIGH Ontario Taxes, but in the end having Trupanion is worth every penny. It takes just 1 incident/illness for your baby, that could be thousands of dollars. This may leave you with a terrible choice in whether or not you can save your furbaby if you do not have insurance or the funds to make life saving decisions. With Trupanion, you get peace of mind knowing that they are always there to help and you can give your pet the best Vet care, specialist care, medicines, tests they need without the worry of massive costs out of pocket. If your vet doesn't direct bill to Trupanion, just talk with them about it, have Trupanion even call them. There will always be out of pocket costs, but having insurance definitely relieves much of the financial burden, allowing you to give your pet the very best care when they need it most. 24/7 they are there, and their knowledgeable team is always friendly and a pleasure to deal with. I am so happy to have both my kids covered! I've incurred a few major extraordinarily expensive situations with my kids, and absolutely life saving decisions were made, only because I have Trupanion. If not for them and the coverage, I could not have helped my kids when they truly needed it. I would have had to let my girl go in April, just a few weeks after I had lost my boy to HSA. Trupanion saved her life!
5
out of 5
POSTED: | BY: JG
Absolutely Worth it
Absolutely Worth it!
Although I wish it covered emergency Consults, and the HIGH Ontario Taxes, but in the end having Trupanion is worth every penny. It takes just 1 incident/illness for your baby, that could be thousands of dollars. This may leave you with a terrible choice in whether or not you can save your furbaby if you do not have insurance or the funds to make life saving decisions. With Trupanion, you get peace of mind knowing that they are always there to help and you can give your pet the best Vet care, specialist care, medicines, tests they need without the worry of massive costs out of pocket. If your vet doesn't direct bill to Trupanion, just talk with them about it, have Trupanion even call them. There will always be out of pocket costs, but having insurance definitely relieves much of the financial burden, allowing you to give your pet the very best care when they need it most. 24/7 they are there, and their knowledgeable team is always friendly and a pleasure to deal with. I am so happy to have both my kids covered! I've incurred a few major extraordinarily expensive situations with my kids, and absolutely life saving decisions were made, only because I have Trupanion. If not for them and the coverage, I could not have helped my kids when they truly needed it. I would have had to let my girl go in April, just a few weeks after I had lost my boy to HSA. Trupanion saved her life!
Monthly Cost
Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.
Coverage
One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice.
To view a full list of inclusions and exclusions, check out our sample policy here.
Payout Limits
Unlimited lifetime payouts on eligible conditions with no payout limits-ever.
Deductible
You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget.
Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.
Age Limits
All pets under 14 years old can enroll.
Once enrolled, pets stay insured regardless of age.
Waiting Period
Accidents: 5 days
Illnesses: 30 days
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 all pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early!
*Terms and conditions apply. Please view your sample policy for complete coverage details.
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.
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
$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
Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company