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.
Trupanion was founded in Canada and provides bets-in-class coverage and 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.
To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month.
1Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy.
*Terms and conditions apply. Please view your sample policy for complete coverage details.
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.
Love Trupanion, handled my claim quickly and professionally. Have recommended them before, and will continue to do so to anyone that will listen!
5
out of 5
POSTED:
| BY: Tolina Stacy
Better than I ever expected!
Our GSD pup Mischka Von Lucian became very ill shortly before Christmas, 2014. She wouldn't eat, had severe nausea, stomach pain and other very unpleasant symptoms. After multiple trips to the Vet, with many tests/scans which could not fully determine the cause of her symptoms (and with our pup getting tired and worse off), she was finally referred to a larger Hospital facility, where it was determined that exploratory surgery was needed to try to find out what was causing her pain and symptoms.
We spent the holidays monitoring and helping to nurse our baby back to health.
I could literally go on and on about how caring this company is, how concerned everyone was about our Mischka's health each time I needed to call to ask a question and even how incredibly smooth the entire process was. But what I'd like to share with anyone who does not have this insurance for their pet is my very sincere recommendation to please look into doing so as soon as you can!
The numbers tell the story (rounded up): $4,400 in allowed Vet/Hospital bills/$3,600 reimbursed by Trupanion. And I have to add that barely one week passed between our date of submission to approval of the claim to finally having a check in our hands. My husband and I were extremely impressed!
I can speak from our personal experience that this kind of response is not typical of all pet insurance companies. A few years ago, when our beloved Beagle needed spinal surgery and rehab - a total cost out of pocket of $10,000 - that the insurance company that we had her insured with for 7 years REFUSED TO PAY A DIME. They seemed more intent on finding reasons NOT to pay the claim, than caring for the pet insured with them. Needless to say, we dropped that company. But when I learned about Trupanion from a colleague at work shortly after that bad experience, I knew that from that point forward any other pets that joined our family would be insured with this company. We welcomed Mischka into our "pack" a year later (she joined Kinsey O'MacKinsey the Irish Beagle & Mr. Trevor the Little Black Dog). I am so happy that friend and colleague shared the word with us about Trupanion. It is clearly one of the best decisions we have made regarding our pet's care.
And oh, yes! I am happy to report that Mischka Von Lucian is well and as happy and energetic as ever. Thanks so much, Trupanion, for not only talking the talk...but also walking the walk!
5
out of 5
POSTED:
| BY: Kim McMahon
Piece of Mind
We have had our rottwieler insured with Trupanion for over 5 years. Over those years, he has had 2 major surgeries, one for disk ruptures and one to remove an abscess from in between his abdomen and other organs. Both episodes, Trupanion fulfilled their contract and paid the Doctors directly minus the 10%. Both surgeries and doctor visits totaled over $20,000.00. We were so overwhelmed with the costs, but Trupanion came through. We could not thank them enough! Thank you so much Trupanion. We would not have our boy today if it weren't for you.
4
out of 5
POSTED:
| BY: Nadia
Fast, hassle-free claim process.
The claim was submitted directly by the vet and we didn't experience any extra hassles or delay. This was especially appreciated given we ultimately lost our pet and it was a difficult situation.
4
out of 5
POSTED:
| BY: Carol Landis
Skin problem claim resolved
The company at first did not accept our claim because on the initial visit with the vet when we first adopted him at 6 months of age, his records noted 'pruritus'. Several months later, after we had conducted a food trial to rule out food as source of his problem, the vet contacted the company and our claim was reconsidered. Joey was diagnosed with environmental allergies at 14 months of age and is now undergoing desensitization treatment. Once our claim was reviewed and approved, the response was swift. So I would not hesitate to recommend the company to someone.
Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.
Coverage
One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice.
To view a full list of inclusions and exclusions, check out our sample policy here.
Payout Limits
Unlimited lifetime payouts on eligible conditions with no payout limits-ever.
Deductible
You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget.
Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.
Age Limits
All pets under 14 years old can enroll.
Once enrolled, pets stay insured regardless of age.
Waiting Period
Accidents: 5 days
Illnesses: 30 days
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 all pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early!
*Terms and conditions apply. Please view your sample policy for complete coverage details.
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.
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
$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
Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company