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
Responsible pet ownership means HAVING TRUPANION!!
Trupanion gives us something that nothing and no one else can give us for our dogs and they’ve been doing it since our pups were 6 months old.; it is piece of mind.
To tell you a little bit about our babies, we have two pups and they are both 7 years old. We’ve had TP insurance for them since they were 6 months old.
Trupanion has helped us fight cancer twice. It helped diagnose and manage severe allergies and all that comes with that (testing and meds). It paid for THREE specialist visits when a B-12 deficiency caused serious bowel complications including vomiting blood. It paid for one amazing heart specialist, an EKG, Echo Cardiomgram, ultra sound and x-rays for our pup to find and diagnose a heart problem. It fixed a fractured and split tail due to a “door” incident as well as a torn off ear due to a doggy daycare “incident.” It’s paid for countless bee stings on the nose and face, the “guess what they ate” game, and hyper-extended legs from playtime gone wrong. From Giardia to Kennal Cough and everything in between, Trupanion has ALWAYS been there... helping and taking care of them...like a third parent!!!!
Our dogs play hard, live hard, and love hard so they need an insurance company that is up to the task of caring for them. TP does this and makes it look easy!
With everything that happens with our pups we have to ask our vets A LOT of questions when they end up there but there is ONE question that we NEVER, EVER have to ask and that is; “how much will this cost?”
We don’t ever have to worry about that because we KNOW that Trupanion has our backs! I thank God for this company every time my babies are sick or hurt and if TP were a religion, I would seriously consider worshipping it!!!
Keep it up y’all!!! And thank you for loving my babies as much as we do!!!
Mary Beth and Bruce
Great Pet Insurance! I have had this insurance since i bought my little shih tzu, 8 years ago! Thank God it came with her Purchase. She has had to have two back surgeries that would have put me in the poor house! I had the policies that paid for 90% and i paid 10% . I had Care Credit with no interest that help me pay it off!Trupanion never gave me a problem at ! They took care of it all with no questions asked. Thank You Trupanion! You are a life saver, and continue to be!
3
out of 5
POSTED:
| BY: LB
Does Trupanion Give You The Coverage They Claim?
I have had Trupanion coverage for about 15 years. When I started out they were fantastic about claim coverage for my pets and their fee's were reasonable. There are pro's as they have evolved, quick reinbursement, easy for my vet to submit directly for payment, uploading invoice via their app etc. However, as our relationship with Trupanion has progressed, my rates have gone up steadily each year, about $5 per per pet per month. The claims are now picked apart, divided into multiple issues so you are paying your deductable for each issue, even if problems are related or diagnosis is still underway by your vet. We took our commatose dog to our vet at 5pm he was unresponsive, they could not care for him overnight, they did not have 24 hour care, he was transfered to overnight care, then in the morning transfered again to specialist for diagnosis. Each veternarian facility we paid our deductible again, as well as the "office visit", even though he had been transfered for the same issue the entire time. Each invoice has a new claim number even if it's all related to the same problem creating issues on payment becasue they do not throughly go through the notes to see if its an exsisting claim. They tell you once you sumbit the invoice if they have further questions they will contact the vet, NOT TRUE. They process as new deduct deductibles and "office" fees, if you have to appeal the case its painstakingly difficult. The follow up is terrible and you will be responsible to contact your vet for the necessary vet notes etc dispite their stating they will. We currently still have a claim in "appeal/review" since September, dispite my intervening and following up with both Trupanion and our treating vet, making sure Trupanion had all the details they needed to resolve. Their follow up is minimal with you. Bottom line, Trupanion does provide good coverage but over the years has nickle and dimed us for all they can, our rates have constantly gone up and their customer service and resolution is minimal at best with a few exceptions! You are better off going to a specialist with multiple capabilities opposed to going to your primary vet. Even if you are referred for further testing each facility you will have to pay their "evaluation" fee regardless your vet has sent you there for continued care. At this point we cannont change insurance for our one beloved dog as he will now have preexisiting issues/conditions for new pet insurance, but are in the process of seeking other coverage for our other pets and will not be back. Its sad Trupanion has raped us with constant coverage manipulation and yearly increases.
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
