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.
Nathan required two visits to completely (I hope!)deal with his digestive issues. I have absolutely no complaints with how the claims were handled. Bear Creek Vet filed the claims. I received confirmation of claims' receipt, claim amount that would be paid and notification that payment had been made.
5
out of 5
POSTED:
| BY: Barbara
a huge comfort
I enrolled my 3 cats after an awful ordeal with another cat where we had to pay out of pocket over $12,000 for an unexpected illness. Since being enrolled in Trupanion, i have been impressed with their efficiency. I am so happy not to have to worry about the expense of dealing with a sick pet...one less thing to worry about! Joinig Trupanion was an excellent decision.
5
out of 5
POSTED:
| BY: Lori Hutchens
Pleasantly surprised!
We have never had pet insurance in our 35 year marriage, until 3 months ago after adopting another kitten. We have had a total of 4 cats in 35 years and until our third kitten, all had been healthy and lived 14 plus years. But last December we adopted our little angel Bruce Wayne. We had just lost another angel "Sammy" to a stroke at 17 years old. After only a week I knew I was ready and we got Bruce. He was a special needs kitten as they told us. He had been to 2 shelters and had been treated for everything imaginable. At the time of adoption he was in treatment for Ringworm, but 10 days later we found out that he had not been contagious at the time of adoption...yay! But that exhilaration was short lived. He was in the vet for his well kitten check-up and the doctor heard a heart murmur, then noticed his fur on his ears and belly were sparse. She decided not to worry, as he had just finished 6 weeks of oral meds and shampoos for the fungus. He also had been sneezing and had the occasional cough. The cough did concern her, as he was a short hair and didn't shed. After many visits over the weeks and months that followed, he had been diagnosed with Asthma and allergies to environmental things. He was happy and energetic all the while, so I thought we were going to be okay! He had been put on a gel form of prednisone for the itching due to his allergies, and his fur came back in thick on his belly...not so much on his ears. He had been on the ear gel for a couple months, when his doctor referred us to a Dermatologist. He decided to put him on a lower dose of a oral steroid and hopefully to get him on an injectable soon after. Within a 2 week period, I noticed some changes in Bruce. He began eating less and sleeping in unusual places. He also began sitting in what they call the "Pain Pose". I took him into the vet and she was doing her usual exam, when he cried at the slight touch of his belly. She ordered an X-ray to see if possibly there was a blockage. In a 20 min time frame our world was turned upside down! Bruce likely had FIP, it's not cure able and causes fluid build up in the abdomen. There are two forms of the disease, wet and dry....he had both! We ran every conceivable test to be sure as we could that this was what it was. Three days later and multiple emergency trips to our vet, we let him go. We had our vet perform an exploratory surgery, in one last hope that he had something they couldn't see.
5
out of 5
POSTED:
| BY: Robin
Trupanion, a company you can trust
I have been more than satisfied with ALL of my experiences with Trupanion. I recommend it to everyone I know. The customer service reps are always helpful and friendly, and the claims are always processed quickly. I especially enjoy how well they keep me updated on claim progress.
5
out of 5
POSTED:
| BY: Pamela Hanen
Very Helpful and Considerate
We had purchased Trupanion Insurance for our new dog. We had never had Pet Insurance before and chose Trupanion from The Reviews online and from the recommendation of others.
When I had to make a claim, I called Trupanion to make sure that I knew the proper steps to take. Their Representative was congenial, sympathetic and very kind. She helped me through the process and, with her help, I was able to make a Claim. Shortly thereafter, I received emails notifying me of the status of the claim. After several days, the claim was approved and I got a further email asking about the health of my dog.
I am very happy with this experience. It was done efficiently and smoothly.
Thank you,
P.L. Hanen
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
