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
My 3 year old male cat had developed urethral obstruction and required catheterization. But after a day or two at home it obstructed again, and the vet recommended perineal urethrostomy.
Between Atticus's vet, who performed the catheterization, and the emergency vet performing the surgery, charges exceeded $5000.00.
I could not believe how quickly Trupanion responded to the claims. Moreover, very unlike VPI, the initial insurer that I had my cats registered with, Trupanion is precisely as it advertises -- even better.
I'm very pleased with them, and it's wonderful to have the assurance that my cats will be cared for when situations like this come to surface.
5
out of 5
POSTED:
| BY: Elizabeth (Scotti)
Easy to file claim, quick response and payment.
My 18 month old King Charles Spaniel became ill this Spring. We were not sure what the cause was, and it took our vet nearly 4 weeks to figure it out, treat her and get her healthy. I was afraid that there would be "some" kind of issue with the amount of our claim, or something that was done during the treatment period, for just "reason" that I wasn't aware of. Instead, I am happy to report that not only is my dog HEALTHY again, but Trupanion got my claim, promptly notified me via email, continued to keep me updated with detailed individual claims, and ultimately issued checks to us for nearly 90% of her expenses, minus our co-pay. I was SHOCKED that filing this claim was as easy as they said it was and that receiving payment was also as easy! Thank you Trupanion, for honoring your policy as stated and for your prompt attention and resolution to our claim!
5
out of 5
POSTED:
| BY: Ted Hegeman
Annie's Knee Surgeries
Annie is a 16 month old Bicon who, unfortunately was found by Dr. Kalt at Noah's Animal Hospital to have subluxation of her patella. She had undergone surgery for the same problem in the other knee about six months ago. The good news is that she is recovering well 10 days after surgery.We are very fortunate to have signed up for Trupanion after an early visit to Noah's last year. Dr. Kalt had referred us to the insurance. Trupanion responded promptly to claims for the first surgery as well as a previous illness. Although Annie's surgery was only 10 days ago we have already received a response from Trupanion about coverage for her current surgery. Trupanion has been profession, responsive and concerned with all of our issues. We are very glad to have this insurance.
5
out of 5
POSTED:
| BY: Gerald Thompson
Great People that Care
Trupanion was very helpful in making sure that my dog got the care that she needed when she needed it.
5
out of 5
POSTED:
| BY: Lourdes Jarvis
Trupanion was there for us! Thank you
A few months ago, I was at our Vets office for our 2 year old cattle dog, Ares. Our Vet asked us if we ever thought about having pet insurance on Ares. I had thought about it, but was still searching for more pet ins info. The Vet said that they had info on a different type of pet ins (basically for accidents, illnesses, etc). The Vet told me a story about a pet owner who had a bill of $27,000 ( yes, I am confirming the $27,000) and yes, Trupanion was there to saved the day. Anyway, he gave me a form with Trupanion's number to call, and that they would insure Ares for 1 month free of charge with a $250 deductible. I called Trupanion. Spoke to a wonderful young lady named Emilie. She was great, answered all my questions and concerns. In the meanwhile, I had told Emilie that we were looking into getting a new puppy, same breed and may be interested in insuring both dogs. So at the end of the 30 days trial for Ares, I called back and spoke with Emilie and decided to take out the policies on both dogs. Emilie asked me if I wanted the 30 days free trial for the new puppy, named Jillaroo. I declined and said go ahead and insure both now. She did. I asked for a $300 deductible. Emilie said, that Jillaroo would not be insured for illnesses for (30 days, and accidents (5 days). Eleven days later we were headed to the ER for Jillaroo (10weeks old). She had swallowed a teething puppy (edible) biscuit and instead of chewing on it like she did 2 nights before, she decided to swallow
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
