5
out of 5
POSTED: | BY: Patricia madsen
Could not ask for a better pet insurance!
I called the claim in and they had it done within two days. I could not believe how fast the process was!
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: Nicole Milano
First claim
was very quick and painless. check was sent sooner than expected. thank you!
5
out of 5
POSTED: | BY: Al and
Thank goodness for you!
Everyone should have pet insurance from day ONE! I use to think, well it does not cover the exam or preventive, therefore why would I need them. HERE IS WHY::: SOMETHING ALWAYS UNEXPECTED COMES UP, AND TRUPANION COVERS IT! EVERY DOG I EVER OWNED HAD SOMETHING, TUMORS, SURGERY, PARVO, BROKEN LEG, ETC, THIS IS WHERE THE EXPENSES CRANK UP AND YOU COVER IT.. Thank you Trupanion for helping us cover that unexpected expense!
1
out of 5
POSTED: | BY: Michelle
Buyer beware
I've been a Trupanion member for 1 year now and was notified that the rate for my Domestic Grey Tabby Cat (a rescue) will go up even though I have no claims for the year. I have a perfectly healthy cat being fed the best food available on the market! After contacting Trupanion I understand that a) they slyly got rid of my old plan and put me on a new plan with so called "additional benefits" and b) these additional benefits include a rate increase to subsidize care for animals in my area with eg. "breeding related conditions." How misleading and completely discouraging for those of us rescuing animals from shelters (and for the animals that desperately need homes) and what a reward for people who continue adopt pure bread animals. Buyer beware!
5
out of 5
POSTED: | BY: Bonita Jalon
Trupanion has been Wonderful!
I never dreamed my dog could/would get toxoplasmosis. Getting to the final diagnosis was a long and costly experience and I am so grateful we chose Trupanion to help us. Their coverage was a comforting help to us and every time I have called with questions I have chatted with someone who seems like a dog-loving friend who just knows a lot about Trupanion insurance. They have been great!
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