5
out of 5
POSTED: | BY: Ada Lau
Quick and easy
First time claim was handled quickly and efficiently. The details of the review of the claim are clear and the notification by email of the progress was very helpful.
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.
4
out of 5
POSTED: | BY: Jennifer S.
Removes the financial worry!
My 13 year old cocker got an infected wound on her back that required a series of surgeries. Thankfully, we had insurance which meant we ended up only being out of pocket about 1/3 the total cost. It really helps to know that when something happens you don't need to make a decision between doing what's right for your best friend and paying the mortgage that month! :)
5
out of 5
POSTED: | BY: Brett
Hassle free coverage makes worry free dog parent
Can't say enough about the convenience of Trupanion. I have a no-deductible policy, so when my maltipoo developed a respiratory infection and needed to undergo x-rays and a precautionary EKG, I could focus on getting him the best care possible. Submitting the claim was easy, and, after Trupanion called my vet to get his medical history, they quickly approved the claim and reimbursed me 90% of my out-of-pocket expenses.
5
out of 5
POSTED: | BY: Grant Collins
Great customer service from Trupanion
A trip to our usual vets, an injection, medication and a referral to a specialist meant that the cost of veterinary care really mounted up for our 8 month old puppy recently. Thankfully we took Insurance out with Trupanion when we first adopted Poppy and Trupanion very quickly informed us that the insurance covered part of the treatment, which was very welcomed. The claims team at Trupanion dealt with our claims efficiently and kept us informed of every step of the process. Also any time I call Trupanion & fins the staff member I speak with very polite and helpful. I would recommend these insurers to other pet owners.
1
out of 5
POSTED: | BY: Sid
Horrible
Horrible! We got the cat insurance for our two cats, a month later our kitten got had a seizure on the floor and was diagnosed with epilepsy. None of our veterinarian bills were covered as they called it a preexisting condition.... Even the veterinarian wrote us a letter stating why she got epilepsy, which was due to a head injury a couple of weeks earlier (she was exploring and thought she was unstoppable when jumping down from a shelf). I am sure if she was diagnosed with epilepsy in the age of 1 year they would still call it a pre existing condition or find some way to slide out from paying our bills. Horrible experience. NEVER again!!!!
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