5
out of 5
POSTED: | BY: Justin
Great
my dog has a diarrhea after a vaccine shot, so i took her too a vet. it costed me $109 and trupanion gave me 90% of the claim. Great.
4.8
out of 5
Number of reviews 25,875
Updated: May 29, 2024
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.
4
out of 5
POSTED: | BY: Mike
No complaints
Things are progressing smoothly and Savannah is holding her own.
5
out of 5
POSTED: | BY: Guy "Sonny"
Excellent Service! Far Exceeded My Expectations!
I purchased Trupanion 3 years ago when I adopted Annabelle at 8 weeks old. This was my first claim submission. I had two invoices from two vet clinics; one Annabelle's regular vet and one an Emergency animal hospital (on a Sunday. The claims process was very simple - a single page form and copy of invoice. Best part, I didn't have to get either claim form signed by anyone! I submitted both claims on Monday, June 30th and received payment on Saturday, July 5th! Very impressed by the quick payment - especially with this being my first claim. I'm VERY HAPPY with Trupanion!!
5
out of 5
POSTED: | BY: Peter
Cranial cruciate ligament tear
overall very thorough and no problems with the claim
5
out of 5
POSTED: | BY: Donna Yelusich
Trupanion, THANK YOU
I will be more than happy to write up this review giving a "10+" rating to Trupanion Pet Insurance and their caring and prompt service. Our family adopted our American Pit Bull Terrier, Ke'ala from a high-kill shelter in Southern California last August, 2013. She was 14 weeks old and just fit into our family very well. She came to us with numerous "Cooties" from the shelter such as worms and other intestinal maladies, but with the great care from our fantastic vets at Rolling Hills Animal Hospital in San Pedro, CA, she grew up into a beautiful animal. She turned 1 on 6/8/14, and a week later, things took a strange turn. She started limping, and when we took her to our vet, she was x-rayed and diagnosed with severe hip dysplasia. The x-rays also revealed a wedging of her spinal bones which was very concerning to our vet. Within 24 hours, Ke'ala was lame (she could not walk more than 3 steps without collapsing) with signs of neurological symptoms of lack of sensation /pain response in her back legs. We took her to a speciality hospital which evaluated her right away. They were great. But TRUPANION was just awesome. Their critical "pre-authorization" process got her the care she needed right away along with the security that we would not have to worry with covering this payment. Not only did they cover her neuro work-up, but again due to the critical pre-authorization process, they covered her 1st of 4 proposed surgeries that allow her to walk again. TRUPANION IS A GOD S
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