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
This is the first time we had gotten pet insurrance as my vet had recomended that we get it due to the breed of dog, cane corso. 2 years later, she developed a limp and required surgery. I was shocked when my vet wanted me to pay up front considering I had insurrance. I contacted Trupanion and was ready to do a verbal battle as I would not have been able to pay the $3000 bill for the surgery. I was amazed at the lady whom I had spoken to. She quickly eased my mind and told me what I needed to do with my vet office so that they may be paid directly. I was thrilled!!!! My claim was processed quickly and I would recomend Trupanion to anyone who loves their pets the way I love mine!!!
5
out of 5
POSTED:
| BY: Rebecca Braverman
So Happy I had Trupanion!
My 10 Mo. old Maine Coon decided to swallow one of my elastic hair ties he found under the bed. Totally my fault, but an accident all the same. We were informed that the surgery would cost around $2500. Thank goodness I had Trupanion who ended up reimbursing me 90% after my $500 deductible was met. I ended up paying about $1100 out of pocket and was reimbursed $1400 (maybe a little more). The monthly payment for Trupanion is only $20/mo. Doing the math, it would take me about 6 years to pay $1400 to Trupanion at the $20/mo. rate. I've already made my money back with them and I couldn't be happier. Thank you, Trupanion!!!
5
out of 5
POSTED:
| BY: Mary
Stress-Free Resolution
Our six-year-old cat, Mingus, was experiencing diarrhea, so we took him to the vet. It seemed to come on shortly after we went on holiday, so we presumed he was experiencing stress-induced enteritis. The vet concurred and subscribed an antibiotic based on a stool sample. We submitted that claim to Trupanion and they resolved it fairly quickly. Unfortunately, after about six weeks of a very slow recovery, things took a turn for the worse and Mingus stopped eating. We took him in to the vet again and, after keeping him overnight for further assessment, our regular vet felt there were liver issues that needed to be assessed by a specialist. And, again unfortunately, the specialist did not have a very optimistic outlook, especially after an MRI and a needle aspiration. That afternoon, I said goodbye to my friend. But, after all that sadness and stress, I submitted the paperwork to Trupanion and, within a week, they processed and paid my claims (covering over $1100 of about $1400). So, although my story is a sad one, Trupanion made the financial side much easier. Thank you, Trupanion.
5
out of 5
POSTED:
| BY: Ashley
worry free
It definitely came in handy when our animal hospital registered us with Trupanion insurance. Our puppy broke two of her toes and the cost associated to fix this was not in the budget. Luckily Trupanion will work directly with our animal hospital so the worry of being able to pay for our new family member's treatment was lifted. It was nice to not have to figure out how to pay up front and wait weeks for a cheque in the mail. It was all taken care of before I even left my house to pick her up from the animal hospital.
5
out of 5
POSTED:
| BY: Tessa
Very caring employees
This is the first time I've had pet insurance so I didn't have a lot of experience. I signed up for Trupanion based on the recommendation of a good friend whose dog had been hit by a car and had a wonderful experience dealing with them (her dog was fine, btw). They were very caring and helpful when I had my first and only claim.
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
