Pets can be full of surprises-so their insurance coverage shouldn’t be. That’s why Trupanion 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.
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.
To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month.
1 Based on a November 2020 internal study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy.
* Terms and Conditions apply. Policy details vary by state, please review your states policy for full coverage details. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay.
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.
Source: Survey commissioned by dvm360, from April 19-June 9, 2022
Where do I begin?? I just can't say enough great things about Trupanion. In fact, I tell all my friends (honestly). Trupanion was recommended to me by a trusted friend. We just used the insurance for the 3rd time… our dog has had 3 separate issues…and he is only 3!! Most recently he needed tore a ligament in his leg… and needed cruciate surgery!! Wow surgery we thought. We have to fix our beloved Rusty!!! Not only was Trupanion there for us… so were the wonderful customer service people!! I opened the claim for this ailment and all I had to do was to fax over pages from the doctor. Not only was it that easy, but the payment came a week after Rusty's surgery. Better then human insurance… wondering if I can get on the plan!! Dogs are family… when you are faced with a situation when you need help…Trupanion is there!!! I can't recommend them more!!!
Truepanion has provided very quick payment and hassle free service. My cat suffered serious injury requiring expensive surgery and ongoing treatment, truepanion has been there for me so I can concentrate on helping my cat heal and not worry about whether or not my insurance is going to be there when I need them. I recommend them to anyone who has a pet. 5 Stars
.I rescued my Golden Retriever, Jackson, from a hell hole in Mississippi when he was approx 10-13 mo old. He was emaciated and had EXTREME seperation anxiety. We quickly became best Pals...
We began to overcome a lot of his issues with Time, Love and Patience.... but his anxiety would rear its ugly head, usually in the form of eating things that he shouldnt, or garbage diving the second I turned my attention away. Noticing these tendencies, I called Trupanion and became a client.
About 8 months into our lives together, Jackson consumed a corn-cob, which he scrounged up somewhere along the line (we have no idea where)... which was then got stuck in his small intestine. We were floored when the emergency vet said, it'll cost about $7,000 -- which credit card will you be putting this on?
I called trupanion in a panic. The woman on the other end of the line was empathetic, caring, and had a tone of voice which made me believe they were 100% willing to help us.
When Jackson was released post - surgery... we sent the bill, and they refunded us BEFORE the charges even hit our card. It made saying yes to the surgery so much easier.
A few months later -- Jackson was back in the hospital for a high fever. It took months of testing to come to the diagnosis that he had "auto-immune disease". A lifelong disease which would require extremely expensive medication for the rest of his life. There trupanion was again... by our side, re-assuring us that they wouldnt drop us because of this.
3 weeks ago, with tears in my eyes.... Jackson was back in the hospital again. I had taken so many precautions to keep him safe... yet some how, he had found another corn-cob... and this time it had not only torn open his previous surgical site... it had perferated in 3 other places, and he needed a full bowel resection, or he would be dead within a day.
Now at this point I had to say to myself... do I need to put him down... Trupanion won't cover him for this... AGAIN.
I was so wrong. The same empathy... this time with the re-assurance that, "This is what we're here for... for dogs like Jackson. We've got your back."
Jackson now sports a heavy duty muzzle when he leaves the house, but is still here today thanks to the skill of his surgeons... and thanks to the support of Trupanion.
I wish I could be more articulate, to express my thanks... Doing business with them has been one of the best decisions I ever made.
I am aware and understand that a physical exam and/or follow exams are not covered, but when a pet (in this case, my dog) is receiving chemotherapy treatments weekly, along with steroids, has a thyroid problem, and also takes 2 medications for cardiomyopathy, there needs to be an assessment to make sure the pet is well enough for his treatment. This assessment is NOT covered by Trupanion, IT SHOULD BE.
Trupanion is one of the best companies to work with. They are friendly, fast, and kind. They do exactly what they promise and go above and beyond.
My little dog is the center of our family, and she is alive and thriving today because of the wonderful support of Trupanion. I recommend Trupanion to every pet lover that I meet!
Your monthly premium is determined by multiple factors including your pet’s species, gender, breed, age, zip code, and the deductible amount you choose if your policy allows.
Coverage
Depending on your plan, the Trupanion policy pays up to 100% of your vet bill for all eligible expenses. There are unlimited payout limits, always and Trupanion will never increase or cancel your coverage because of claims you submit. Coverage includes new accidents and illnesses, hereditary, congenital, and chronic conditions, diagnostic tests, hospital stays, and much more. Trupanion prides itself on paying out more on the dollar than any other provider and has paid out nearly $2 billion in claims to date.
Payout Limits
The Trupanion policy* has no payout limits, so whether your pet needs one quick visit or a lifetime of care, your coverage won’t quit.
That can mean a big difference if your pet develops a chronic condition requiring extended care like allergies, diabetes, or even cancer.
Deductible
If your Trupanion policy has a deductible, you can customize it to fit your budget. You can choose from $50 to $1,000 in increments of $5, or choose to have no deductible at all. Trupanion deductibles are per-condition and good for the life of your pet. That means no annual resets-once a deductible is met, you never have to pay the deductible for that condition again.
Age Limits
All new pets can enroll from birth until their 14th birthday. Once your pet is enrolled, they can be enrolled for life
Waiting Period
Waiting periods vary by state. Please see your states policy for full coverage details.
However, 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 many other pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early!
* Terms and Conditions apply. Coverage may vary by state. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay.
Underwritten in Canada by Omega General Insurance Company and GPIC Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit AmericanPetInsurance.com to review all available pet health insurance products.
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.
We’re committed to sharing industry data, supporting animal welfare organizations, and working with federal and state regulators to help more pets get better care.
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
Nearly $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
