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.
I have a five month old DSH female intact kitten with a history of coughing. I've had multiple doctors look/listen to her, have had fecal tests run for long worms and intestonal parasites, an echocardiogram, and thorax radiographs. After spending over $500 for diagnostics, Trupanion was able to reimburse me for everything except the exams. The only downfall is that they don't cover the cost of exams, but that hasn't been a big deal.especially after the amountof money that I've spent. They also covered the cost of her antibiotics. Overall, I couldn't have asked for better coverage.
5
out of 5
POSTED:
| BY: Rose Marie
The Best Pet Insurance
I have a 12 year old Bichon, Katie Rose, and on Sunday morning, October 5th, 2014, we were awakened by her kicking the bed post. She was having a seizure, she had never had one before, none of my dogs have ever had seizures. We took her to the emergency clinic, they kept her overnight and she had two more gran mall seizures. The next morning, we took her to AVS which is a specialty clinic, we saw the neurologist and after an MRI, they diagnosed her with a brain tumor, and only gave her weeks to months. I took out Trupanion in 2010, never dreaming we would need it, and sure enough, we did need it. The bills were mounting up for those few days, over two thousand dollars. I submitted the claims and within ten days, I had the reimbursement checks. We were amazed that the claims were paid so promptly, and the people at Trupanion were so caring and interested in how Katie was coming along. I cannot say enough about Trupanion being truthful, honest, compassionate and interested in my pet. Definitely recommend them!
5
out of 5
POSTED:
| BY: Bev Milobar
Amazing
Insurance companies are notorious for bad service and denying claims. Not TRUPANION. My litter terroir has been through hell with a recurring ACL tear. A miserable recovery and expensive surgery. I have been absolutely vigilant on his post op care. Trupanion has been so compassionate, so thorough and so incredibly quick on their responses. This company has removed so much stress from my plate. I can focus on my wonderful friend. If you have a pet, do yourself a favour.
4
out of 5
POSTED:
| BY: Terrie
great at claims
very thorough and get back to you about claims right away. However, I am still waiting to hear back about an email I wrote to them- not so good at answering emails as letting you know the status of your claim.
5
out of 5
POSTED:
| BY: C.
Smooth & correct payment
Last summer, our 1y old cat was diagnosed with FIP (or rather, at that time, suspicion of FIP). She recovered of some of her initial symptoms, thanks to the excellent care of our vets (AMC NYC), where at some point she even appeared to in excellent condition again... Yet the past few weeks her condition declined so badly that eventually she was no longer able to walk and stopped eating. Finally, we had to make the difficult decision to opt for euthanasia. But thanks to the excellent service and hassle-free paybacks of Trupanion, we are confident we have been able to explore all possible options. Because of our Trupanion insurance, we could focus on giving our pet the best possible treatment, without having to worry too much about the financial implications. We are truly grateful for how smoothly Trupanion handled our claims, amounting to a few USD 1000s in total.
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
