4
out of 5
POSTED: | BY: Joe Collard
very pleased
We are very pleased with our coverage for our dog.
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: Dorothy Wade
Excellent coverage and response
Our dog had a suspected herniated disk which required immediate care. I called Trupanion. Within an hour, they got in touch with our vet and the veterinary hospital where we had been referred, got the necessary paperwork sent off, and by the time we walked in for the consult the next AM, had a preapproval for testing. Calvin was seen by a neurologist, underwent an MRI, and was diagnosed with a ruptured cervical disk as the result of degenerative disk disorder. He had the necessary surgery the next AM and spent 3 days in ICU. Trupanion paid for 90% of the total bill after our $100 deductible. Since this was a $6000 procedure, it was a huge savings for us. Trupanion has agreed to cover whatever care is needed should this happen again. That is great piece of mind.
5
out of 5
POSTED: | BY: Cheri
Amazing worry free insurance
We have Trupanion for both of our pups and everytime we have had a small issue or big worrisome problem out stress has been eased knowing we will have Trupanion. Out claims are always paid quickly and everyone I've ever dealt with at the company have been so kind and true animal lovers!
5
out of 5
POSTED: | BY: Shannon Faris-Parnell
Very Fast & Responsive
Nathan required two visits to completely (I hope!)deal with his digestive issues. I have absolutely no complaints with how the claims were handled. Bear Creek Vet filed the claims. I received confirmation of claims' receipt, claim amount that would be paid and notification that payment had been made.
5
out of 5
POSTED: | BY: Barbara
a huge comfort
I enrolled my 3 cats after an awful ordeal with another cat where we had to pay out of pocket over $12,000 for an unexpected illness. Since being enrolled in Trupanion, i have been impressed with their efficiency. I am so happy not to have to worry about the expense of dealing with a sick pet...one less thing to worry about! Joinig Trupanion was an excellent decision.
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