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
Recently Lilly has had some joint pain in her front paw that required her paw/arm to be bandaged up for four weeks. The staff at Trupanion were so easy to talk to and they made the claim process so easy and stress free! I highly recommend Trupanion for all yiour pets health needs! Thank you, Trupanion Staff!
Melodie and Lilly!
I am so incredibly grateful for Trupanion. I got the pet insurance just out of an abundance of caution, fully expecting I'd just be paying for peace of mind. Well, my girl ended up with mammary tumors ($900 surgery during COVID times), then heart issues ($600 echo once a year plus meds), needed a TPLO and patella surgery (almost $7k), dislocated hip with emergency surgery ($2k), liver biopsy surgery and treatment for PVH ($6k), arthritis (gets Librela and Adequan shots monthly for a couple hundred bucks), allergies (gets Cytopoint injections), now Cushing's—she is the sweetest girl, a rescue with a tough past, and she has probably cost these people way more than they bargained for by now because our monthly payment is still only $116 and her meds alone are more than $300/mo, but Trupanion is so sweet and gracious about everything. My only regret is I wish I'd paid more for the complementary care (acupuncture, physical therapy, etc.).
Insure your animals when they are young. The rate does go up just with inflation or if you live in an area where veterinary care costs more, but they don't charge more as the animal ages or as they develop more issues, and bless them for not dropping us after everything that is wrong with my dog. Get the most coverage you can afford, even if it's a stretch, and pay that premium with a smile every month. If your animal lives long enough, you will eventually get everything you paid and more back in coverage. A $500 lifetime deductible per issue and then 90% coverage for everything but basics like exam fees—that is ridiculously good coverage, especially as vet care keeps going up. I wish Trupanion covered humans; I would switch myself over today.
They are also just very sweet. Every time I have to call, I have an excellent and happy interaction. I just called today with a silly tech question and Vanessa was so kind and even wished my dog well.
Do be prepared to wait a little for payouts; it's not instant. But it is very quick all things considered, and I always get the payout before my credit card bill is due. I had a few issues with the automatic AI on reimbursement submissions, but they always fixed it quickly and easily when I called.
Trupanion is run by angels. I recommend them to everyone. If you're reading this, Trupanion, thank you!!
I am so incredibly grateful for Trupanion. I got the pet insurance just out of an abundance of caution, fully expecting I'd just be paying for peace of mind. Well, my girl ended up with mammary tumors ($900 surgery during COVID times), then heart issues ($600 echo once a year plus meds), needed a TPLO and patella surgery (almost $7k), dislocated hip with emergency surgery ($2k), liver biopsy surgery and treatment for PVH ($6k), arthritis (gets Librela and Adequan shots monthly for a couple hundred bucks), allergies (gets Cytopoint injections), now Cushing's—she is the sweetest girl, a rescue with a tough past, and she has probably cost these people way more than they bargained for by now because our monthly payment is still only $116 and her meds alone are more than $300/mo, but Trupanion is so sweet and gracious about everything. My only regret is I wish I'd paid more for the complementary care (acupuncture, physical therapy, etc.).
Insure your animals when they are young. The rate does go up just with inflation or if you live in an area where veterinary care costs more, but they don't charge more as the animal ages or as they develop more issues, and bless them for not dropping us after everything that is wrong with my dog. Get the most coverage you can afford, even if it's a stretch, and pay that premium with a smile every month. If your animal lives long enough, you will eventually get everything you paid and more back in coverage. A $500 lifetime deductible per issue and then 90% coverage for everything but basics like exam fees—that is ridiculously good coverage, especially as vet care keeps going up. I wish Trupanion covered humans; I would switch myself over today.
They are also just very sweet. Every time I have to call, I have an excellent and happy interaction. I just called today with a silly tech question and Vanessa was so kind and even wished my dog well.
Do be prepared to wait a little for payouts; it's not instant. But it is very quick all things considered, and I always get the payout before my credit card bill is due. I had a few issues with the automatic AI on reimbursement submissions, but they always fixed it quickly and easily when I called.
Trupanion is run by angels. I recommend them to everyone. If you're reading this, Trupanion, thank you!!
I am so incredibly grateful for Trupanion. I got the pet insurance just out of an abundance of caution, fully expecting I'd just be paying for peace of mind. Well, my girl ended up with mammary tumors ($900 surgery during COVID times), then heart issues ($600 echo once a year plus meds), needed a TPLO and patella surgery (almost $7k), dislocated hip with emergency surgery ($2k), liver biopsy surgery and treatment for PVH ($6k), arthritis (gets Librela and Adequan shots monthly for a couple hundred bucks), allergies (gets Cytopoint injections), now Cushing's—she is the sweetest girl, a rescue with a tough past, and she has probably cost these people way more than they bargained for by now because our monthly payment is still only $116 and her meds alone are more than $300/mo, but Trupanion is so sweet and gracious about everything. My only regret is I wish I'd paid more for the complementary care (acupuncture, physical therapy, etc.).
Insure your animals when they are young. The rate does go up just with inflation or if you live in an area where veterinary care costs more, but they don't charge more as the animal ages or as they develop more issues, and bless them for not dropping us after everything that is wrong with my dog. Get the most coverage you can afford, even if it's a stretch, and pay that premium with a smile every month. If your animal lives long enough, you will eventually get everything you paid and more back in coverage. A $500 lifetime deductible per issue and then 90% coverage for everything but basics like exam fees—that is ridiculously good coverage, especially as vet care keeps going up. I wish Trupanion covered humans; I would switch myself over today.
They are also just very sweet. Every time I have to call, I have an excellent and happy interaction. I just called today with a silly tech question and Vanessa was so kind and even wished my dog well.
Do be prepared to wait a little for payouts; it's not instant. But it is very quick all things considered, and I always get the payout before my credit card bill is due. I had a few issues with the automatic AI on reimbursement submissions, but they always fixed it quickly and easily when I called.
Trupanion is run by angels. I recommend them to everyone. If you're reading this, Trupanion, thank you!!
I am so incredibly grateful for Trupanion. I got the pet insurance just out of an abundance of caution, fully expecting I'd just be paying for peace of mind. Well, my girl ended up with mammary tumors ($900 surgery during COVID times), then heart issues ($600 echo once a year plus meds), needed a TPLO and patella surgery (almost $7k), dislocated hip with emergency surgery ($2k), liver biopsy surgery and treatment for PVH ($6k), arthritis (gets Librela and Adequan shots monthly for a couple hundred bucks), allergies (gets Cytopoint injections), now Cushing's—she is the sweetest girl, a rescue with a tough past, and she has probably cost these people way more than they bargained for by now because our monthly payment is still only $116 and her meds alone are more than $300/mo, but Trupanion is so sweet and gracious about everything. My only regret is I wish I'd paid more for the complementary care (acupuncture, physical therapy, etc.).
Insure your animals when they are young. The rate does go up just with inflation or if you live in an area where veterinary care costs more, but they don't charge more as the animal ages or as they develop more issues, and bless them for not dropping us after everything that is wrong with my dog. Get the most coverage you can afford, even if it's a stretch, and pay that premium with a smile every month. If your animal lives long enough, you will eventually get everything you paid and more back in coverage. A $500 lifetime deductible per issue and then 90% coverage for everything but basics like exam fees—that is ridiculously good coverage, especially as vet care keeps going up. I wish Trupanion covered humans; I would switch myself over today.
They are also just very sweet. Every time I have to call, I have an excellent and happy interaction. I just called today with a silly tech question and Vanessa was so kind and even wished my dog well.
Do be prepared to wait a little for payouts; it's not instant. But it is very quick all things considered, and I always get the payout before my credit card bill is due. I had a few issues with the automatic AI on reimbursement submissions, but they always fixed it quickly and easily when I called.
Trupanion is run by angels. I recommend them to everyone. If you're reading this, Trupanion, thank you!!
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
