5
out of 5
POSTED: | BY: Julie Kantner
Max is doing ok at this time
Trupanion has been a blessing for our family as well as our doctors.I can't express how grateful we are to be able to have this coverage for Max.
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.
5
out of 5
POSTED: | BY: Sharon Sabatini
Highly recommended!
I did a lot of research before choosing Trupanion. They have the highest payout at 90%. I have had them for years now on my yellow Lab, but only after he turned 8 years old did we really feel the benefits when Jack was diagnosed with cancer. I kept saying that this is why we signed up, for a life threatening and expensive problem which we hoped would never happen. Our dog is doing great 7 months later, but at the time he needed a lot of diagnostics at the Oncologist, and he got them, thanks to Trupanion.I love the back story on this company, too. Check them out. They really care,you always get a real person to talk to, they are organized and
experienced. I highly recommend Trupanion.
5
out of 5
POSTED: | BY: Annaliese
Best thing I ever did for my pet
I love my dog. But he has had some serious health challenges. Last year his vet bills were around $11,000. If I didn't already have Trupanion insurance, I would not be able to afford to keep my little bundle of love. Trupanion pays quickly, gives great coverage, and has made it possible for me to afford my dog's healthcare. Getting coverage was the best thing I ever did for my pet.
5
out of 5
POSTED: | BY: Lewis Haimowitz
Excellent service
Trupanion representatives are very helpful, and the company promptly reimburses you for expenses related to injury or illness.
5
out of 5
POSTED: | BY: LINDA RAPPAZINI
SHE IS FEELING FINE, AND HER NORMAL ADORABLE/LITTL
TRUPANION MAY BE A BIT PRICY, BUT VERY EASY TO USE. TOO BAD A % OF DOCTOR VISIT ISN'T COVERED BUT THE COST OF TESTING & MEDICATIONS MAKES IT WORTH IT. TIMELY RESPONSE...I BRING THE FORM AND THEY FILL IT OUT, FAX, & MAIL COPIES TO ME. THE RESPONSE IS PRETTY GOOD, IMMEDIATE EMAIL AND CHECK A COUPLE WEEKS LATER...VERY GOOD! 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