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 will admit I was very impressed with this insurance company when my Lab needed surgery. Now when she is going to be needing physical therapy, they are telling she doesn't have that coverage. I'm very disappointed that no one ever mentioned plan A or plan B on top of the insurance you already have, which I would have paid out as well, and the person on the phone wasn't very pleasant either. I'm always telling people I meet how great this insurance was with my Lab, but now I'm not too sure. I don't receive newsletters about upgrades to my original insurance, so how would one know they need to upgrade? I'm very disappointed.
5
out of 5
POSTED:
| BY: Robin Greer
Excellent!
Although I feel the reimbursement time should be quicker, I am pleased with the reimbursement itself. Being a single mommy to Eddie, it's reassuring to know there's help when needed.
5
out of 5
POSTED:
| BY: Kristi Berlin
Excellent service
I've always had great experiences with Trupanion. My 2 1/2 year old dog has had a series of unusual health issues since he was a puppy. My Vet also has direct billing with Trupanion so I only have to pa my share up front.
5
out of 5
POSTED:
| BY: Ruth
The BEST Pet Care Insurance Company (AND People)!!
I adopted my cat, Holly, from a shelter three years ago; I was told she had no health problems, and was a healthy, happy kitty. From the first week I had her home, though, my baby has had one health problem after another. I couldn't send her back to a cage, though, so I kept her, hoping with lots of love she would get over her problems and settle down and feel better. For a long time, she actually was better, but this Christmas she got VERY sick...........and I've had to take her to the vet multiple times for multiple tests and medications. We've both been stressed to the max, Holly not feeling well, me WATCHING but not being able to HELP Holly feel better.........and then the vet bills on top of it all. If it weren't for Trupanion staff members to talk to and calm me down, reassure me that I'm doing the best for Holly, I'd don't know where I'd be. If it weren't for Trupanion covering almost all of Holly's health care costs, I would have had to give her up to a new home weeks ago!!!!!!!!!!!!!
THANK YOU SO VERY MUCH to Trupanion...........for your kind workers, for helping ME through this stressful time, for paying for Holly's vet bills!!!!!!!!!!!!!!!!! Thank you for not making me choose between trying to make Holly better, or giving her up to someone else!!!!!!!!!!!!!! I had another pet care insurance for my first cat, and I know they would NOT have covered this much!!!!!!
5
out of 5
POSTED:
| BY: Susan
Trupanion is Man's Best Friend's Best Friend!
This is (unfortunately) our second major surgery with our yellow lab, who is only 3 years old (not including his neutering). Trupanion has been absolutely wonderful! Our bill was 90% covered, and a check to us was cut within a week, making the financial strain not a factor as we worried about our furry child. This time around, we also wound up having three follow up visits due to an infection, and yep...those were covered, too. We did not have pet insurance with our first dog (a chocolate lab), mostly because at the time pet insurance wasn't really around, and we calculated that we probably spent about $10,000 over his 15 1/2 years due to his chronic ear infections. The money we pay each month for Trupanion's pet insurance is the best money we have ever spent! Needless to say, we hope to never need Trupanion's services again, but knowing our lab.... It's comforting to know that should we need it, Trupanion is there to help!
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
