5
out of 5
POSTED: | BY: Jared
Great
My dog tore her acl. The surgery was 4200 and I got back 3100. Pretty sweet.
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: C White
Great company to deal with!
Took our dog to the vet as he was limping. Faxed the claim form to Trupanion on a Tuesday afternoon. Received an email confirmation same day acknowledging that they had received the claim. Received another email the following day stating that the claim had been approved and a cheque was being sent! Received the cheque the following Monday! Less than a week from making the claim to receiving the cheque! Outstanding service!
5
out of 5
POSTED: | BY: Stephen Reeves
Excellent service and processing time
Once again, Trupanion quickly and accurately processed my claim
5
out of 5
POSTED: | BY: Liz
TruPanion has been great!
TruPanion has been great! They showed genuine concern about our dog Bella and were very prompt in providing information on the coverage and the pay-out (within one week). When we bought the insurance our pups were only 2 years old and we figured spreading the cost of vet bills over the period of a year would be better, then taking a big hit financially if something happened. Our dogs had gotten into a little scrape now and then (as puppies do…) and we had already gone through a bout of major vet bills due to digestive tract issues for one of them. Plus with mini-dachshunds you have to worry about hereditary back and hip injuries, which TruPanion covers.
Little did we know we would need the insurance so quickly (at age 4). Our stronger dog appeared to have hurt her back some how late one afternoon. We did not witness what happened and she acted normal until later that night when she was not able to push off to jump up. The next morning she was still able to walk, although a little stiff. After a vet visit and medicine that morning from the vet, she was confined to her crate for 2-4 weeks to let any kind of inflammation settle down. But unfortunately by that evening it had deteriorated. She was in a lot of pain and completely unable to walk. She actually appeared paralyzed from the waist down. The next morning she met with a neurologist. With the help of an MRI it was clear she had 2 herniated discs in the middle of her back, which were pushing on her spinal cord. That even
5
out of 5
POSTED: | BY: Carsen
Great Service
My vet was able to submit my claim electronically to Trupanion and they were able to reimburse me quickly.
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