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.
And won ! I bought a beautiful AKC white Labrador puppy and my Vetsuggested pet insurance in the event of a major medical event growing up.
Instinctively, I thought I may never need it and it wasn’t “going to be a good deal”. A little over a year after signing up Pippa hurt her leg chasing the tennis ball. Several Office visits, X-rays and RX’s etc and the bill was well over $600.00
After a reasonable deductible Tru-panion very promptly paid per their terms.
Whew ! A decision to go with Tru Panion was a good one with practicality triumphing over instinct. And I won !
5
out of 5
POSTED:
| BY: Donna Stephens
Excellent Care and Coverage
Trupanion takes care of their clients like family. They were there when we needed them and made sure our Annie had the best possible care and coverage. Our claims were handled quickly and correctly. They are wonderful!
5
out of 5
POSTED:
| BY: Ron Foresta
Trupanion is # 1
I've been with Trupanion for about six months now. I have a beautiful English Creame Golden Retriever named Emma who is a 1 1/2 yrs. old. About six months ago I took Emma to my vet, Dr. B, for a wellness visit. I had been with this other insurance company at the time when Dr. B asked me how I liked them. To be honest, I had never had to use them, so I asked him if he had heard of them. Although Dr. B didn't say anything bad about them, he didn't say anything nice about them either, which led me to asking him who would he recommend. Within the next ten minutes or so he went over all the pros and cons about the top 5 insurance companies and to my surprise mine was not one of them. He told me all about Trupanion and even had a video presentation explaining all the reasons why I should go with them. Now to be honest, I was a little skeptical thinking he must be affiliated with them in some way, when to my surprise he said, Trupanion will give you the first month for free and if I didn't like them I could cancel, no questions asked. Exactly one week later Emma has a Urinary tract infection. I took Emma to Dr. B who told me she was covered for 90% of the total bill, almost $800. He filled out all the paperwork, submitted it to Trupanion and in 10 minutes they approved the claim. I was floored. I hadn't even paid them do to the free month, so I was already ahead. Now I decided to compare the other company I had signed up with so I called and asked them a hypothetical. I said if my dog had a urinary tract infection would she be covered and If so for how much. The woman said when I submitted the claim they have to determine how much they believe the claim to be worth. In other words, they don't go by what the vet submits they go by what they believed it should cost. Wow! When Dr. B submitted the claim it was approved in less than 10 minutes and nothing but the 10% and my deductible were due. Nothing else out of pocket as Trupanion sent Dr. B 90% of what he submitted. This past week I took Emma in because she was limping. Dr. B took ex-rays and it showed possible elbow dysplasia, after sending them out for another opinion. I paid $350.00 and Dr. submitted it to Trupanion. Today when I got home there was a check for $160.00 from them because Trupanion accepted the claim. I can't believe how great they are. I love my dog and with Dr. B and of course Trupanion I no that Emma is in great hands. Dr. B is the best vet in Las Vegas, and Trupanion is the best insurance
5
out of 5
POSTED:
| BY: Deborah Zipko
Great
They where amazing. Always there to answer any questions and the claim was settled very quickly. and direct deposited my check.
1
out of 5
POSTED:
| BY: Miss Unhappy
Dishonest and Misleading Pet Insurance Company
Upon initial registration, I was told that my senior pet would quality pending there had been no previous "diagnosis". I have given my dog of 11 years preventative care and he was potentially in need of surgery but would not be able to assess without an MRI. Trupanion denied the claim based on hypothetical possibilties versus any concrete diagnosis. Their conclusions came from a sloppy report given by a neurologist who saw him one time, not having performed any test to back up their hypothetical assessment and the preventative treatment from the original vet (like Glucosamine and joint lubicators). I was provided false and misleading information from the beginning with Trupanion, and they refused to refund the 3 weeks it took for someone to call me back after canceling my insurance with them (you cannot reach the cancellation department). The only valuable part of having Trupanion with an older pet is in cases of cancer. Otherwise they will find something in their chart that contributes to possible diagnosis and denial of treatment. Be very cautious with this pet insurance.
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
