4
out of 5
POSTED: | BY: Cheryl
Mediocre
I was disappointed that the reimbursement was on 50% I thought there was a $250 deductible.
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.
5
out of 5
POSTED: | BY: Kim
Fantastic!
My cat has been insured by Trupanion for more than 4 years. Claims are processed in a timely manner and the service is impeccable. I had my doubts when I thought of purchasing pet insurance but now am so glad I did! In the past year alone my little old man developed diabetes and arthritis. I don't know how I would have afforded the high quality care he needs without Trupanion insurance.
5
out of 5
POSTED: | BY: Erin
Saved up thousands!
Easy forms to fill out. Quick response from company and no hidden issues with regards to coverage. Cheques are mailed out quickly. Very happy with this insurance. It has saved us thousands.....literally.
5
out of 5
POSTED: | BY: Michelle
WOW!!
This is the first time we had gotten pet insurrance as my vet had recomended that we get it due to the breed of dog, cane corso. 2 years later, she developed a limp and required surgery. I was shocked when my vet wanted me to pay up front considering I had insurrance. I contacted Trupanion and was ready to do a verbal battle as I would not have been able to pay the $3000 bill for the surgery. I was amazed at the lady whom I had spoken to. She quickly eased my mind and told me what I needed to do with my vet office so that they may be paid directly. I was thrilled!!!! My claim was processed quickly and I would recomend Trupanion to anyone who loves their pets the way I love mine!!!
5
out of 5
POSTED: | BY: Rebecca Braverman
So Happy I had Trupanion!
My 10 Mo. old Maine Coon decided to swallow one of my elastic hair ties he found under the bed. Totally my fault, but an accident all the same. We were informed that the surgery would cost around $2500. Thank goodness I had Trupanion who ended up reimbursing me 90% after my $500 deductible was met. I ended up paying about $1100 out of pocket and was reimbursed $1400 (maybe a little more). The monthly payment for Trupanion is only $20/mo. Doing the math, it would take me about 6 years to pay $1400 to Trupanion at the $20/mo. rate. I've already made my money back with them and I couldn't be happier. Thank you, Trupanion!!!
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