5
out of 5
POSTED: | BY: michael
easy and simple
It was a very easy claim to make. The vet office handled everything. Because of the insurance we were able to afford the tests and treatment needed for our puppy
4.8
out of 5
Number of reviews 25,882
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: Jessie Herrera
Hassle-Free Pet Insurance
It couldn't be easier. All I did was take my pet to the vet, told them I was insured by Trupanion, signed and faxed them over a new claim, and the rest was done by them. I received quick emails updating me on the process and received 90% of my costs covered. Grade A insurance. Will always recommend.
5
out of 5
POSTED: | BY: Elysse Morris
Thank you Stella Brockbank!!!
I signed up with Trupanion for both dog and cat insurance, and was assisted by Stella Brockbank. She is so knowledgeable, and directed me in selecting the most appropriate plan for each pet. Thank you Stella for helping me with such an important decision..it was a pleasure dealing with you!
5
out of 5
POSTED: | BY: Liz Gronbach
Excellent service overall
Our dog Dexter has been suffering from lymphoma for almost 2 years. Thanks to Trupanion the financial stress of Dexter's 12 months' long chemotherapy and many related tests and medication was relieved immensely. They have been prompt and pleasant in dealing with all of our claims and we would recommend their pet insurance to anyone. The only minor complaint we have is that Trupanion does not cover the vet's examination fee which is fair enough if it relates to regular health checkups and maintenance but is not fair when the only reason for the exam is that your dog has cancer and the exams are related to the cancer diagnosis. Our vet took this up with Trupanion but they did not allow the exam fee. Dexter appears to have been in remission since the end of his chemo altho regular exams are required to ensure he has not relapsed. Trupanion made a terrifying and heartbreaking diagnosis easier to bear and deal with.
5
out of 5
POSTED: | BY: Alexis
Always easy, very fast payment
I used to have VPI, which is just a horrible company, so switching to Trupanion was the best thing to happen to our fur family. Once the history is established, you can get claim payment within a week. I've never had an issue getting a claim paid for a covered illness/injury. Thanks!
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