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.
Makes providing the best treatment options for a pet so much easier
Having trupanion insurance has eased the financial burden of providing medical care for our pet. Foxxy ( our dog) is very much a member of our family she tore her ACL and required surgery which was quite expensive. Since we had trupanion insurance the surgeon accepted payment from trupanion and we only had to pay our portion. It allowed us not to have to worry about the cost but we are able to focus on helping or Foxxy get better! Anytime we have submitted a claim it has always been paid quickly.
Thanks Trupanion
We switched to Trupanion from another company about 3 years ago. Trupanions coverage is simple and straight forward. We have 2 dogs covered and thus far all claims have been processed quickly and fairly.
5
out of 5
POSTED:
| BY: Elizabeth
Very happy to have Trupanion Insurance!
We have a Daschund who is 4-1/2 years old and has had to have back surgery twice in the last 6 months. We're so glad to have Trupanion insurance. We've had no problems and they've been very quick to process our claims so we could ensure Maggie has the best care. I would recommend Trupanion insurance to anyone who has a beloved pet in their family.
I literally cannot say enough amazing things about Trupanion. And since sharing of our experience on social media, there have been over a dozen people that have now gotten Trupanion insurance for their pets based on what we have been through and the incredible support we get from this organization.
Last September we adopted a 2 month old kitten from our local shelter, they gave us the free Trupanion trial for 6 weeks. Once that ended, I signed our cat up as the premiums were excellent and she was so young. We had never had pet insurance for any of our other pets, in spite of some of our other pets have had expensive medical issues, and we always wondered if we should have had insurance for them.
At the time when our cat's trial ended on a total whim we decided to put our 6 year old COMPLETELY HEALTHY dog on Trupanion for a year.
Three months later we found a lump on her leg, and got the devastating diagnosis of a cancer of her connective tissue. Two surgeries later, including an amputation, the one of the MAJOR things we were beyond grateful for was to go into our appointments with her, and her surgeries and to have the peace of mind to say, "Do whatever it takes to save her... we have insurance."
She got through this like a trooper.
Then fast forward to the present which is five months later, she suddenly and abruptly developed an auto immune disease that was killing off her blood platelets, and a severe case of pancreatitis. Both of these things happened at the same time. She was literally a day or two from death, the vets told us.
Our vet bills to date are well over $12,000 and if it had not been for our coverage from Trupanion, we would not have been able to allow her to live. We simply would not have been able to afford it. This is the excruciating decision that millions of people have to make every year. Don't be one of those people!
Her medication for both of her illnesses will be covered for life, if she needs them. Any re-occurence of either of them will be covered.
One of the best things about Trupanion is that you can do direct billing. You don't have to try to find the thousands of dollars to pay the bill, and then go through the hassle of submitting receipts. It is all done at the desk before you leave. And if Trupanion has any questions, they just chat with the vet and you are only left with paying out the balance owing and your decuctible.
Our girl is not out of the woods yet, she has only been home for one day after eight days in the hospital, but we can have TOTAL peace of mind that whatever we need for her we can do for her all because of having pet insurance.
Trupanion is there for you when you need them with prompt service and payments. Our dog had to be rushed to an animal hospital for emergency treatment. Trupanion responded immediately and authorized direct payment to the hospital. We were able to focus on our pet's care and make informed decisions without having to worry about how we were going to pay for her care. We would not hesitate to recommend Trupanion to anyone.
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
