5
out of 5
POSTED: | BY: Scott Allinson
Great claims experience!
Very and easy and quick claims process
4.8
out of 5
Number of reviews 25,879
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: Gergana Ruseva
Very good
Very professional and fast approval, unfortunately very expensive monthly payment .For which I won't have my second dog insured with you guys.
1
out of 5
POSTED: | BY: Alexis Nelson
Trupanion deny's every claim and waits for you to send in an appeal.
I normally don’t write bad reviews ever, however, my bad experience with Trupanion must be shared to help future buyers. When we first got our puppy we were moving to a rural area known for fleas and ticks, so we went to the vet to start preventative care of a flea and tick medication. When we signed up for Trupanion they deemed that vet visit as a result of allergies and proceeded to deny every claim thereafter due to allergies being a pre-existing condition.
Here are the specifics: Our puppy had heat rash – denied due to allergies. Then he got pink eye from the neighbor’s dog - denied due to allergies. Then he got pink eye again from the same neighbor dog – denied again due to allergies. Then he had a puncture wound – that too was denied due to allergies. And then when I said I wanted to cancel and move to another company they threatened me that they will share their findings of allergies with the other company and it will always remain a pre-existing condition. When my dog has NO allergies to anything, ever. We feed him every kind of human food (except for the ones all dogs are not aloud like gapes, garlic, onions, etc) and all dog treats. He has never shown signs of allergies once, and the vet agrees he has never had allergies either.
I bought the insurance for peace of mind. I am thankful for this experience because now I have confidently canceled all insurance for our dog. I’ll be putting my monthly money into a savings plan to use for future vet bills. Possibly without this experience, I wouldn’t be so confident when future vet bills come up. I hope this honest bad review of how Trupanion is a scam will help future animal owners.
Future buyer suggestion - If you do buy insurance be sure to do it before you ever take them to the vet and don’t share any information on issues that arrived before the policy is out of the waiting period. That seems to be the only approach for them to not irrationally denying every claim. Good luck and I wish you the best with your little one.
1
out of 5
POSTED: | BY: Alexis Nelson
Trupanion denies every claim!
I normally don’t write bad reviews ever, however, my bad experience with Trupanion must be shared to help future buyers. When we first got our puppy we were moving to a rural area known for fleas and ticks, so we went to the vet to start preventative care of a flea and tick medication. When we signed up for Trupanion they deemed that vet visit as a result of allergies and proceeded to deny every claim thereafter due to allergies being a pre-existing condition.
Here are the specifics: Our puppy had heat rash – denied due to allergies. Then he got pink eye from the neighbor’s dog - denied due to allergies. Then he got pink eye again from the same neighbor dog – denied again due to allergies. Then he had a puncture wound – that too was denied due to allergies. And then when I said I wanted to cancel and move to another company they threatened me that they will share their findings of allergies with the other company and it will always remain a pre-existing condition. When my dog has NO allergies to anything, ever. We feed him every kind of human food (except for the ones all dogs are not aloud like gapes, garlic, onions, etc) and all dog treats. He has never shown signs of allergies once, and the vet agrees he has never had allergies either.
I bought the insurance for peace of mind. I am thankful for this experience because now I have confidently canceled all insurance for our dog. I’ll be putting my monthly money into a savings plan to use for future vet bills. Possibly without this experience, I wouldn’t be so confident when future vet bills come up. I hope this honest bad review of how Trupanion is a scam will help future animal owners.
Future buyer suggestion - If you do buy insurance be sure to do it before you ever take them to the vet and don’t share any information on issues that arrived before the policy is out of the waiting period. That seems to be the only approach for them to not irrationally denying every claim. Good luck and I wish you the best with your little one.
5
out of 5
POSTED: | BY: Jessica Ashley
Fast service!
Almost instantaneous approval of my claim made it easy and efficient.
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