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've been with Trupanion for about three years now, for both my cats. We've had a few hairball emergencies that came with huge costs, and Trupanion was a lifesaver, literally, every time. The claim process takes mere minutes, which in an emergency can literally mean life or death for an animal.
The fact that they pay the vet directly is amazing, as I don't have to worry about scrounging up big sums of money. Furthermore, their claims process is very detailed and explanatory. I recommend Trupanion to every pet owner. Trupanion - You rock.
I've been with Trupanion for about three years now, for both my cats. We've had a few hairball emergencies that came with huge costs, and Trupanion was a lifesaver, literally, every time. The claim process takes mere minutes, which in an emergency can literally mean life or death for an animal.
The fact that they pay the vet directly is amazing, as I don't have to worry about scrounging up big sums of money. Furthermore, their claims process is very detailed and explanatory. I recommend Trupanion to every pet owner. Trupanion - You rock.
Trupanion has a convenient process for claim filing and you are reimbursed fairly quickly. My premiums have consistently gone up every year and I am not happy about this. Your reasons are just poor excuses.
1
out of 5
POSTED:
| BY: Lee Scharr
Rates keep raising
My Newfoundland will be 6 this week. As a puppy he had a eye defect and needed surgery. I had $700 deductable. They would not cover his bills even after I had paid the deductable. Haven't collected a cent from them yet my premiums keep going up. I regret buying pet insurance from them!
1
out of 5
POSTED:
| BY: Tamae Elizabeth Ishii
Unethical Practices and Terrible…
Unethical Practices and Terrible Customer Service
I have been a Trupanion customer for over 10 years, paying a hefty premium of $123.36 per month to insure my rescue dog, Luna, and multiple other pets before her. My experience with this company has been nothing short of infuriating and unethical.
After adopting Luna, a 5-year-old long coat Chihuahua from Vanderpump Dog Rescue, I took her to the Veterinary Care Center in Los Angeles for her initial exam. During this visit with an unfamiliar vet, they conducted blood work and a general wellness exam. The vet *guessed* that Luna had several health issues based on minor irregularities in her bloodwork, which I later learned were likely due to stress and malnourishment from her time in the shelter. Trupanion claims Luna has musculoskeletal issues simply because she was underweight when I adopted her, despite the fact that she is no longer skinny. It feels like they are just looking for reasons to deny coverage for any musculoskeletal conditions in the future.
The vet noted that Luna's liver and kidney levels were slightly off, but this was due to her stress and malnourishment. Since adopting her, Luna has never had any liver or kidney issues. They also flagged her for having missing teeth, categorizing it as a pre-existing oral issue, even though she has no problems eating or drinking. At the time of adoption, Luna had blood in her urine but has never had this issue since. Now, Trupanion refuses to cover anything related to her urogenital health.
Luna's bloodwork showed slight abnormalities attributed to stress, yet she has not had any abnormal blood results in over 7 years. Trupanion now claims they won't cover anything related to her hematopoietic system. She once experienced diarrhea caused by coccidia, a common issue for shelter dogs, and now they won’t cover anything related to her digestive system either.
Essentially, Trupanion's exclusions cover almost her entire body except for her heart, eyes, and brain. I’m left wondering what exactly I’m paying for besides accident coverage.
Today I spoke with Christine, a customer service representative at Trupanion, hoping to get clarification on Luna's medical records. Not only did she refuse to provide a contact person, but she also stated that the medical summary cannot be changed, despite it being based on one vet visit. It seems Trupanion is more interested in avoiding claims than honoring the coverage they promised.
I urge anyone considering Trupanion to think twice. Their practices are unethical, and their customer service is woefully inadequate. I feel I am working with a fraudulent company that prioritizes profit over the health and well-being of my beloved pet.
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
