5
out of 5
POSTED: | BY: Nita Bennett
Fast and easy
Our vet has direct billing so it is quick and very helpful to pay only the balance not the full vet bill
4.8
out of 5
Number of reviews 25,882
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: Amy Cohen
cat care
Young 2 year old cat with unspecified gastro disturbance. Cat ahd to be hospitalized in speciality hospital and requires follow up testing and care.
5
out of 5
POSTED: | BY: Heidi
Epilepsy
I got Trupanion insurance on my pup when she was 3 months old. My vet recommended it. I had VPI in the past for 3 of my dogs & had NOTHING but Problems with them!! At the time I was even working for my vet & received all medical care & meds at cost... VPI still wouldn't cover things!!!! They even denied my dogs elbow surgery because they made a mistake on my monthly billing & didn't charge me 1 month, I saw they didn't charge me so I called them & they admitted that it was a mistake with their computers... 3 months later my dog needed elbow surgery... They refused to pay it because of "a laps in coverage"... Which was their fault!! So needless to say I was Very hesitant on getting insurance for my pup. I am sooooo grateful that I got Trupanion!! When my pup turned 1 she suffered her 1st seizure. Then 4 weeks later another seizure & has been diagnosed with epilepsy. She started on Keppra & still suffered 2 more seizures. Now she's also on phenobarbital. Her meds alone cost $155/month. Trupanion has been incredible!! I fax over my claims & within hours get an email confirming they received my claims & will pay out 90% of expenses!! I recommend Trupanion 100% to all pet owners! Even their customer service help line has been incredible!! So helpful & kind!! Thank you!!!
5
out of 5
POSTED: | BY: Jared
Great
My dog tore her acl. The surgery was 4200 and I got back 3100. Pretty sweet.
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!
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