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
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
5
out of 5
POSTED:
| BY: David M.
Provided excellent service
My lab had a distended stomach and had to be rushed to the vet hospital. Brought him home after 2 days as good as ever, along with a $1500 bill. Trupanion was quick in getting all the required information and after the deductibles, provided us with a check covering the bulk of the bill. I am very satisfied and would recommend them to others. Now I just want to see if my payments go up. If not, I'll be totally impressed and will let you know. Right now I'll give them an 8 and if the monthly payments stay the same I'll give them a 10.
5
out of 5
POSTED:
| BY: Donna Thomas
The handling of my claim
The staff at trupanion was great, they offered comfort and they were truly concern about the well being of my dog. My claim was handled with utmost importance. Thank you to the staff. Dash is doing well.
5
out of 5
POSTED:
| BY: Kip Krieger
excellent emergency coverage, fast reimbursement
We researched a number of pet insurance companies and chose Trupanion's emergancy policy as the best suited for our young female saluki mix, Cleo. Rather than try to cover her routine expenses, which are relatively easy to budget, we decided that we should cover any emergency situations, which are usually the most costly and least prepared for. In hindsight, the best value in such coverage is that when an accident happens you are not forced to make major decisions about your pet's future based upon financial considerations. In other words, since the insurance covers 90% of all accident-related expenses, there is no reason to skimp on the necessary medical procedures. We have a very active dog who runs with us daily in a wooded park near our home. Several years ago she started lifting one of her hind legs on our return from the woods. Our vet diagnosed a torn ligament in her knee and gave us the choice of surgical repair or just letting the dog live with it. He said that many people don't want or can't afford the expense of surgery (around $2000-) and choose to do nothing. The animal eventually gets used to its reduced mobility and doesn't seem to experience lasting pain. Because we had our Trupanion policy we never thought twice about opting for the surgery, and after 4 months our Cleo had 100% of her mobility again. The surgeon advised us that it was possible that she might sustain the same injury in the other hind leg, because after recovering they tend to put more weight
5
out of 5
POSTED:
| BY: Judy Shoemaker
Best Pet Insurance
My Pomeranian is insured with Trupanion and was diagnosed with an enlarged heart and bronchitis. She takes medication for both daily. Trupanion paid for 90% of her testing and for 90% of her meds related to these diagnosis. I really love this insurance. It's the greatest
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
