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.
Trupanion is amazing Insurance Company who pays so much attentions and quick follow ups. I have never dealt any Insurance Company who is so organized and well managed cross any level of staff and managers. I was totally satisfied with Trupanion.
5
out of 5
POSTED:
| BY: Jocelyn
Excellent
My dog ate a glove and needed emergency surgery. $5000 later and a few days at the pet hospital I was really worried my claim might not be covered because just a couple months ago my dog needed to go to the hospital for something else that came out to roughly $2000. Within 2 days I heard back from trupanion that they were covering my claim (on Christmas eve). An excellent Christmas present as my stress regarding the money was put to rest.
5
out of 5
POSTED:
| BY: Jackie Fellows
True Pet Angels
My little furry baby was having such discomfort and i brought her in so scared of the medical bills right before Christmas. To my surprise the vet submitted everything and I walked away paying just my deductible and emergency vet visit. Trupanion took care of sending payment directly to my vet for almost 900.00. I have gone back and forth many times over two years whether it was an investment I could make but I am here to tell you I will never doubt having it again.
4
out of 5
POSTED:
| BY: Tracey Damaren
fast, hassle free process
Kai was first seen on Dec. 19 for vomiting and weight loss. The claim for this visit was processed the next day. He was then seen for an ultrasound and gastroscopy on Dec 22 and that payment was processed Dec26th. We appreciated the quick service from Trupanion. The only negative is the fact that exams and consults are not covered as every vet and surgeon who so much as looked at him charged us for a consult. I feel only the initial exam should be charged to the owner as one really has no control over the other charges and every "exam" did not provide any new information, but rather just felt like a money grab from a family too shell shocked to realize this. After the diagnosis of terminal cancer, all following exams should be covered
5
out of 5
POSTED:
| BY: Nicole Notaro
Couldn't Have Done It Without Them!
Trupanion is, by far, the most honest and helpful company I’ve ever had the pleasure to work with. After my experiences this year, I seriously recommend that if you care about your dog, get him or her a policy. The following is a story that will prove why a simple monthly bill will save you in the future. (I’m a teacher, not a salesperson, so my apologies for this long essay!)
My dog's name is Rosie and she is around 13 years old. A beagle/rat-terrier mix, she has adorably corgi-like ears and brown eyes that look right into your soul. Rosie is a trained therapy and retired service dog and has put smiles on more people’s faces than I can remember.
Rosie had a rough life as a puppy. It wasn’t until she was around 3 years old that a rescue group saved her and she adopted me. The veterinarian who helped me get Rosie healthy again recommended dog insurance. After some investigation and consideration, I signed up with Trupanion. This was because they cover 90% of the actual veterinarian's bill (not what an unknown group claimed a treatment “should” cost). They understand that a vet bill for a service in Massachusetts may be different than that same service in Colorado. They also have no payoff limit. So, I paid the monthly bill and kept up with her health.
Trupanion helped with her bills throughout her life, but their true commitment to caring for animals showed this year when Rosie started having difficulties climbing stairs and stopped running around. Our veterinarian did all sorts of tests and treatments. All this time, Trupanion kept up with their end of the deal, helping with costs that included multiple x-rays, medications and blood work. They never declined a bill. After exhausting his resources, our vet recommended we see a specialist. After a consultation with a top-notch surgeon, the problem was identified, and Rosie went in for surgery the next day.
As it turned out, Rosie had a lipomatous mass (the benign fatty tumors that look like lumps under the skin of many dogs). However, unlike those that grow under the skin and create no health risks, this one was between her hipbone and muscle. As it grew, it pushed the muscle away from her bone and snaked its way through any opening it could. Altogether, I estimate it was about the size of an egg. Our wonderful surgeon was able to remove it… including the part that had grown all the way around the sciatic nerve (if you don’t know what that is, I recommend you look it up… my dog was in a lot more
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
