4
out of 5
POSTED: | BY: e
Good
This was our first claim and it was done very quickly. It didn't cover as much as I thought it would but I was way better than paying the actual price
4.8
out of 5
Number of reviews 25,876
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.
2
out of 5
POSTED: | BY: Alison
Very Slow Response Time
When I signed up for Trupanion, I was told it takes 48 hours to receive claims. I have emailed my claims every time, and they don't mark them received for over a week. Their excuse in the beginning was that it's summer and they have a lot of claims they are backed up on, now it's fall and they say they have a lot of emailed claims to go through. It's been over 3 weeks and my claim still has not been processed. And I was told that you do not need a new claim form if it's for the same condition, if it has been claimed before, and every time I turn in a receipt for the same condition, they end up faxing a new claim form for my vet to fill out again. Tons of paperwork to keep up with. I am lucky my vet is so great and always willing to help me get some money back.
1
out of 5
POSTED: | BY: Susan Robbins
Scammers
Agree with all comments made by others, how they request records over and over and try to find a reason not to pay you even when your vet will state something is not pre-existing. They paid for a so called "pre-existing condition last year" and now they don't. But don't go to their website and try to find anything - their claims page is an ABSOLUTE joke. The costs have gone up every year. We'd all be better off if we set aside a little money for our pets to use to pay the bills. Then we could invest it and not them. Like everything else, it is all about the money. By the way, I have pets insured with Trupanion (I will be discontinuing the policies and/or changing to other companies for at least 4 of them). For 5 pets, I pay them over $2,500 a year, and they denied me about $200 on a recent claim because it was pre-existing". Also, save every piece of paperwork from them and your vet, and we'll have tpo start blogging about the correct terminology to be used. Vets don't know - insurance is still new to them, too. If the vet submits the right code (an honest code), you get paid.
5
out of 5
POSTED: | BY: Ashley
AmAzInG!
We had a pre approval for $700.00 surgery within 48 hours and the vet hospital was paid directly the day after the surgery!
What a relief to not have to come up with $7000 and wait for reimbursement!
Jamie was awesome and truly cared!
5
out of 5
POSTED: | BY: LYLE CHERNOFF
BOSCO'S INSURANCE CLAIM
UNBELIEVABLY GOOD EXPERIENCE, ESPECIALLY AFTER DEALING WITH INSURANCE COMPANIES PERTAINING TO MY LOSSES AFTER SUPERSTORM SANDY
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