5
out of 5
POSTED: | BY: Anne-Louise P
Amazing
Best money I have ever spent.
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: Roge Hanlon
TRUPANION HELPED ME SAVE MY DOG'S LIFE
Trupanion is the BEST pet insurance I have ever worked with. My dog Rio got a hold of a bottle with Buclafen in it and ate all the pills in there. The overdose was enough for kill a large dog and my 7 pound Chihuahua was rushed to the hospital in cared for for 20 days. The medical bills included many nights in ICU, dialyses, and all the treatment you can possibly think of for overdose and renal failure. But TRUPANION help our hand the whole way through and together we saved Rio's life! My dog would have been dead by now if I had not chosen Trupanion as my pet insurance!
3
out of 5
POSTED: | BY: Tamara
Frustrating experience
My first claim experience with Trupanion wasn't the best and I really don't think I'll keep it much longer. My French bulldog needed an expensive procedure so the rep told me to get a pre approval. Great, I thought, this will speed things along. Well, it didn't quite go like that because she didn't ask me for all the paperwork involved to get the procedure approved. So the day before the surgery I still didn't know they would approve it and if she would have requested all the paperwork involved instead of just sending me a form it wouldn't have been so stressful. Now they're raising my rate and I've only had them for a year and just filed that one claim. When I called to find out why the rep really didn't sound like she knew what she was talking about. I asked to speak with a supervisor and she said it would take 2 days for someone to be able to call me back. 2 days? What kind of customer service is that?
5
out of 5
POSTED: | BY: A. Camponi
Trupanion Excellent
Trupanion was so easy to deal with. I called in twice, once before we went to the Vet with Sarge and after when I was ready to submit the claim forms. Both folks I spoke to were truly caring about Sarge, his illness and that he would be OK. Also that I had everything I needed. We were traveling at the time so offered lots of options to help with the process. Sarge needed tests and medication and it was all covered. our claim was acknowledged as soon as they received the paperwork. The cheque to cover the expenses was waiting for us when we got home. And YES Sarge is feeling better. So pleased we got Trupanion.
5
out of 5
POSTED: | BY: Zori Cohen
awesome
great company quick reimbursement
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