4
out of 5
POSTED: | BY: carl davis
so far so good
I like the fact that they notified me about receiving the claim and let me know about how it was going and details of whats happening and when payment is mailed...
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: Trista Haakman
Very pleased!
I was unable to use the direct billing with my Vet due to a small hiccup but it was resolved quickly and easily and I receieved my reimbursement within a couple weeks in the mail. I'm very staisfied with the service offered!
5
out of 5
POSTED: | BY: Emily Baptiste
excellent communication throughout circumstance
Impressed and most appreciative of the communication process from the time of the visit to the vet, claim submission, notification of receipt of claim, email itemizing claim and the exact $$ coverage that is in the mail. Prompt receipt of payment. When dealing with your beloved pet experiencing pain and working with the vet for a speedy recovery the last you want to worry about is making sure that the process will be covered in a timely manner. Trupanion has proven, beyond any doubt, that they understand the emotions involved and deal with the financial concerns in a caring and timely manner. Their kindness is reflected in their e-mails and you feel that they genuinely care about you and your precious pet. Thank you Trupanion .... my highest recommendations. God Bless.
5
out of 5
POSTED: | BY: Joan Fliegelman
Trupanion is an outstanding company
Claims are handled quickly and efficiently. I recommend trupanion to any pet owners I know.
5
out of 5
POSTED: | BY: Carol Marangoni
Wish MY health Insurance was as good!
I bought Trupanion insurance for my Golden Brandon when he was 1 year old, thinking that I wouldn't need it until he was elderly - was I ever wrong! He is an avid tennis ball fanatic & he managed to wear down & destroy all four of his canine teeth before the age of 3. The teeth were dead or dying at the time I took him to a doggie dentist. The options were extraction of all 4 teeth or root canals. I chose the root canals but did not want them to be filled with amalgam (no metal or mercury in my boy's mouth!), so the dentist filled them with a composite material & then took impressions for four crowns which now completely cover the teeth. His teeth look good as new now & there are no toxic compounds in his mouth.I live in New York & the cost was astronomical - $6,710! Thank God for Trupanion: they paid $5,547 and I was only out-of-pocket $ 1,163. I am so grateful not to have had the financial burden of paying for his treatment! I have a doggie daycare business & have since replaced all tennis balls with rubber chuckit balls in the hopes that this doesn't happen to any other dogs. I also recommend Trupanion to all my clients because the peace of mind is priceless! Thank you Trupanion!
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