5
out of 5
POSTED: | BY: Randy Smith
They pay off claims as promised
It takes about 4 weeks, but I get paid as stated in policy.
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 $2 Billion in claims and have insured nearly 1 million pets.
To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month.
1Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy.
*Terms and conditions apply. Please view your sample policy for complete coverage details.
Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products.
5
out of 5
POSTED: | BY: B Duerr
Excellent service
I've had Trupanion for 3 years and couldn't be happier with the people I speak to and the turnaround time with my claims. My vet actually showcases Trupanion in her practice.
4
out of 5
POSTED: | BY: Shannon
Fast service!
Trupanion has always been very expedient with responding to my questions and claims. And even though it's not really advertised, they can do most of their interactions via email. I just scan in my receipts, fill out and sign the claim form, scan and email in. This last one, I had an approval within 4 days.
5
out of 5
POSTED: | BY: Cierra
THEY ARE THE BEST
I have 2 golden retrievers, Goldie and Denali. Both of them have had there fair share of issues. Goldie was adopted and shortly after started showing signs of arthritis. Trupanion has covered every single one of our claims, and quickly too. Currently goldie is getting stem cell therapy and they are helping with the 4,000$ cost.. i am only paying 400. 90% coverage! NO LIMITS.... and everyone who works there really wants to cover and help you with your dog. Denali needed extensive xrays as a puppy, and they covered that. I love them. I want to hug them all.
5
out of 5
POSTED: | BY: Renee Smith
Amazing Coverage after Only 1 Month
Rarely have I dealt with a Company as amazing as Trupanion. My dog Ruby, was diagnosed with Pancreatitis, only 33 days after signing up with Trupanion. She went through numerous tests, biopsies and eventually 2 emergency surgeries to try and save her life. After my $50 deductible was met, they paid out 90% of all costs. They were kind, thoughtful and I was surprised how quickly they paid out my claims.I would never go without insurance for myself, so why wouldn't have it for my baby? Thank you Trulpanion.
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