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
I joined Trupanion and have not regretted it. My dog came down with persistent pneumonia a few months after becoming insured. I was slightly concerned about submitting a claim so early, but Trupanion paid 90% of his fees, totaling approximately $3000, no deductible. It was simple, fast, and fair. We aren't out of the woods yet with his pneumonia, but it gives me great peace of mind that I can give him the care he deserves and that Trupanion is an honest insurance company. An insurance company with integrity, who knew!
5
out of 5
POSTED:
| BY: Crystal
Great
First claim made . . . took a bit long but in the future it will be smoother (as they now have her bulky file). Was a bit skeptical in pet insurance companies . . . but this has given me the confidence for future incidents:)
5
out of 5
POSTED:
| BY: Monique
Thank the Lord for Trupanion!
I am a veterinary technician and am the proud owner of two young kitties. I have owned pets all of my life and have been in this field for about 12 years. I have never been inclined to purchase pet insurance in the past because it has so many loopholes such as "per incident limits" and exclusions, such as cancer, or recurring illnesses, that I didn't think it was really worth it, especially sice I work in this field. When the rep came to talk to our hospital about Trupanion it was hands down the best Pet Insurance that I had ever seen. I started to think about the times when my animals got sick on the weekends, overnights, and holidays when I couldn't take them into my hospital, or when I would need a specialist, so I decided to give Trupanion a shot.....boy am I glad I did! My youngest cat ingested a foreign body (my son's foam building blocks) one week later, and there I was, in the emergency hopsital on a Sunday night at 10:00 pm. Long story short, she was hospitalized for 3 days and ended up having surgery to have the object removed. Trupanion covered 90%! That was 6 months ago, and my very unfortunate, (and not so bright)little kitty just had her second exploratory surgery for eating something else she shouldn't have, and Trupanion covered it all. The x-rays, ultrasound, surgery, hospital stay, all of it. I enrolled with Trupanion in the summer of 2010 and have paid ~ $250 dollars total, for both cats policy's. Trupanion has paid me about $10,0000 in return, and it didn'
5
out of 5
POSTED:
| BY: Doreen Sullivan
what a blessing
I never considered pet insurance before but after bringing a dog with papers from out of state to Alaska, thought I would try it for the first year. Turns out we really needed when faced with $7500 worth of hip dysplasia surgeries. I didn't believe I actually got reimbursed before my credit cards were due! I have thanked my two vets for helping.
5
out of 5
POSTED:
| BY: Andrea Piccirillo
A must have for any pet owner!
We have had our Minature Bull Terrier for just under 10 months now, and unfortunatley he has had a few issues. His most recent involed stomach surgery to remove foreign objects, bully breeds tend to explore with their mouths.... After a few trips to our vet, and several overnight stays in emergency he's doing fine and back to his clownish self. Trupanion has been absolutely unbelievable. We purchased Trupanion based on the recomondation of our Vet, who said she had always had great interaction with Trupanion, and had several other clients who were very pleased with Trupanions coverage.
Of course we did not expect to have so many issues with our new baby bully, but even with several claims within a few months, totaling over $3000 dollars, Trupanion has always come through with the coverage that our policy said it would cover. I am constantly telling friends who have pets that they should really check out Trupanion, especially those that get puppies and kittens, because it really is a relief knowing that you can give your pets the medical attention they need, without worrying about covering the sometimes large veterinary bills.
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
