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.
Full disclosure: I don't have any experience with any other pet insurance company, so I don't really have anything to compare it to. With that out of the way, first, the good: once my claims are approved, they are paid within a few days, and in the amount approved. Now, the bad: the first time I submitted the claim, Trupanion denied it based upon a very shaky line of reasoning. I realize that the company is in the business of trying not to pay (otherwise, they wouldn't make money), but they made what I felt was a pretty big leap (my vet thought so, too, and couldn't understand it) to connect two unrelated conditions, and I ended up having to get my vet to write a letter in order to straighten it out. The next time I shop for insurance, I will consider Trupanion, but I will probably shop around quite a bit, too, just to see what else is out there.
5
out of 5
POSTED:
| BY: Susan
The best pet insurance company
I have always avoided pet insurance until a friend recommended Trupanion. I started doing research online, read reviews, asked my vet and Trupanion kept coming out on top of the pack! I got it for my 9 year old dog and 2 year old cat. They have been receptive, on top of things and for someone that likes to do things online - they were simple and quick.
Responsive is key and I have to share, I didn't wait for anything.
I am impressed and very, very happy with this company.
5
out of 5
POSTED:
| BY: louise
Insurance claim
Our puppy was bitten by another dog in the dog park... it was an emergency trip to the 24hr vets. The submitted the paperwork to Truepanion and Truepanion stepped in straight away, an email to advise they'd received the claim and an email the next day to say it had been processed. We had enough to worry about with our puppy and were extremely grateful that the worry of payment was taken away. Thanks Truepanion!
5
out of 5
POSTED:
| BY: G. Rollo
I'm very pleased with the service I got .
Trupanion processed my claim for my cat very quickly and and the claim was settled exactly as I expected it. I also appreciate that they sent me an email when they received the claim, and also when it was being processed, as well as letting me know by email how they were settling--all this before I got written confirmation in the mail. It was much easier and quicker than making a medical claim for my own medical expenses.
5
out of 5
POSTED:
| BY: Deborah Libucha
Fast response
Easy claim process. Very quick settlement.
E-mail updates during claim process.
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
