5
out of 5
POSTED: | BY: Dallas
Quick
Quick turn around for the claim, very helpful and personal with calls to check on my pet.
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: Rosalynd Kunkel
Excellent Service!
Amazing customer service. I was kept informed the entire way of the claim. I was not kept waiting at all.
5
out of 5
POSTED: | BY: Dave Berry
Recommendaion for Trupanion
I have been a customer for several years. I have had absolutely no problem with the coverage and have used the service on as needed occasion. I would rocommend this insurance to any pet owner. I have even recommended to my veternarian clinic. That's how good they are.
5
out of 5
POSTED: | BY: Christine Stavalo
Wonderful Company
My cat was diagnosed with having stones. This meant several trips to the vet office for the exam, checkup and follow-up. With each visit, brought a new claim form to be filled out and submitted. However, the claim forms were easy to complete by updating my personal information and submitting to my vet for their information. My Vet faxing the information directly to Trupanion and I received an email directly from Trupanion that claim form has been received and submitted for processing. Within the next week or so, I received an email from Trupanion that my claim has been processed and payment is being sent. I was really surprised to see that my claim was processed really fast. I also had contact their customer service several times and they have been always very helpful and nice. They are truly a awesome company to deal with and would recommend to anyone in need of pet insurance!!!
5
out of 5
POSTED: | BY: Kathy
CCL Rupture Repair
Having never made a claim we were a little apprehensive when we were forced to make a claim for a very expensive surgery for our GSD for TPLO surgery for her CCL rupture. We have been extremely pleasantly surprised by Trupanion's speedy processing and true to their word of the coverage we had. Sometimes we expect insurers to look for a way out but Trupanion has really impressed us with their assistance in helping our GSD get the treatment she needs and in her recovery.
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