5
out of 5
POSTED: | BY: Rob
Nothing but the best!
Always professional. Always on-time. No gimmicks
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: Drake
great insurance
My puppy has had both of his knees replaced and trupanion is a great insurance to have. They were very quick with the reembursement, and pre approval process I highly recommend them to everyone with out them i would not been able to afford his surgeries and probably would have had to put him to sleep
5
out of 5
POSTED: | BY: Kobe
EXCELLENT!
We've decided to go ahead with cataract surgery for our dog. Trupanion has been instrumental in our decision. Their quick response, friendly customer service and genuine care for our pet is invaluable!
5
out of 5
POSTED: | BY: Laura Jones
Great service
Excellent service, I will definately recommend them to all my pet owner friends.
5
out of 5
POSTED: | BY: Rachel
Great coverage and customer service
I had originally used VPI to insure my two dogs dating back to around 2002 but switched them to Trupanion about two years ago after reading an article in Consumer Reports. I am so glad I did this!! In my experience, Trupanion has much better coverage.... no caps on expenses for an injury or illness and and the coverage and deductibles don't change as my pets get older. This is a huge benefit compared to VPI.
In addition, Trupanion emails me through every part of the claim process, has taken the time to call me regarding specific claims, and overall has been very helpful.
My only additional comment is that the "90% coverage" is a little misleading. When my dog developed cancer, I took her to a specialist. While they have covered 90% of her treatments (minus the deductible) so far (some are still pending), the initial $200 consultation was not covered. Ultimately, this doesn't make a difference... I would still have taken her to the specialist and I would still use Trupanion! (And to be fair, I may have missed this in the fine print print of our policy.) I just remembered from the website the "90% coverage" and this wasn't quite accurate.
Overall, I have been very happy with Trupanion and I have already recommended them to several friends with pets.
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