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 will admit I was very impressed with this insurance company when my Lab needed surgery. Now when she is going to be needing physical therapy, they are telling she doesn't have that coverage. I'm very disappointed that no one ever mentioned plan A or plan B on top of the insurance you already have, which I would have paid out as well, and the person on the phone wasn't very pleasant either. I'm always telling people I meet how great this insurance was with my Lab, but now I'm not too sure. I don't receive newsletters about upgrades to my original insurance, so how would one know they need to upgrade? I'm very disappointed.
4
out of 5
POSTED:
| BY: Robin Greer
Excellent!
Although I feel the reimbursement time should be quicker, I am pleased with the reimbursement itself. Being a single mommy to Eddie, it's reassuring to know there's help when needed.
5
out of 5
POSTED:
| BY: Kristi Berlin
Excellent service
I've always had great experiences with Trupanion. My 2 1/2 year old dog has had a series of unusual health issues since he was a puppy. My Vet also has direct billing with Trupanion so I only have to pa my share up front.
5
out of 5
POSTED:
| BY: Ruth
The BEST Pet Care Insurance Company (AND People)!!
I adopted my cat, Holly, from a shelter three years ago; I was told she had no health problems, and was a healthy, happy kitty. From the first week I had her home, though, my baby has had one health problem after another. I couldn't send her back to a cage, though, so I kept her, hoping with lots of love she would get over her problems and settle down and feel better. For a long time, she actually was better, but this Christmas she got VERY sick...........and I've had to take her to the vet multiple times for multiple tests and medications. We've both been stressed to the max, Holly not feeling well, me WATCHING but not being able to HELP Holly feel better.........and then the vet bills on top of it all. If it weren't for Trupanion staff members to talk to and calm me down, reassure me that I'm doing the best for Holly, I'd don't know where I'd be. If it weren't for Trupanion covering almost all of Holly's health care costs, I would have had to give her up to a new home weeks ago!!!!!!!!!!!!!
THANK YOU SO VERY MUCH to Trupanion...........for your kind workers, for helping ME through this stressful time, for paying for Holly's vet bills!!!!!!!!!!!!!!!!! Thank you for not making me choose between trying to make Holly better, or giving her up to someone else!!!!!!!!!!!!!! I had another pet care insurance for my first cat, and I know they would NOT have covered this much!!!!!!
5
out of 5
POSTED:
| BY: Susan
Trupanion is Man's Best Friend's Best Friend!
This is (unfortunately) our second major surgery with our yellow lab, who is only 3 years old (not including his neutering). Trupanion has been absolutely wonderful! Our bill was 90% covered, and a check to us was cut within a week, making the financial strain not a factor as we worried about our furry child. This time around, we also wound up having three follow up visits due to an infection, and yep...those were covered, too. We did not have pet insurance with our first dog (a chocolate lab), mostly because at the time pet insurance wasn't really around, and we calculated that we probably spent about $10,000 over his 15 1/2 years due to his chronic ear infections. The money we pay each month for Trupanion's pet insurance is the best money we have ever spent! Needless to say, we hope to never need Trupanion's services again, but knowing our lab.... It's comforting to know that should we need it, Trupanion is there to help!
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
