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.
Thank you for this great service and assistance. This month was extremely challenging for Oskar, we had to see the vet several times and always with different issues, or recurring ones.
From Trupanion, no questions asked, all claims were dealt with very fast and reimbursement according to plan, even more than expected.
5
out of 5
POSTED:
| BY: Shane
Great customer service
Everyone from the first phone call was was amazing it was all about my pet.The staff was professional and eager to help,This was a good experience and I will go on to tell anyone who needs pet insurance about you.Thank you so much
5
out of 5
POSTED:
| BY: Kathy
Great company
Maggie was diagnosed this year with seizures. They made the claim process very easy and were there to answer my questions. Great customer service.
5
out of 5
POSTED:
| BY: J. Grace
Best coverage, value, service: World-class!
Did a lot of research before insuring my chihuahua pup with Trupanion six years ago. Worth the effort! I am a retired United Healthcare Director of Quality Management,and I have high and exacting standards when it comes to healthcare excellence for myself, my family and my companion animals. Trupanion has always met or exceeded them for Yoda. Claims processed promptly, often within hours, check cut and mailed within a couple business days. Oh, and super customer service--courteous, concerned, informed. Last visit to my vet, staff told me they were now recommending Trupanion as a first choice in pet insurance.
5
out of 5
POSTED:
| BY: Bailey Smith
Trupanion Was There When Needed (great cust. srv,
Trupanion TestimonialNov 24th 2015
My 2 ½ year old mini Aussie, Beau, was in an accident July 9th, 2015. As a result of the accident he had multiply fractures in one of his back legs and needed surgery. The surgery went great but then he suffered some major setbacks from complications dealing with medications that made the surgery seem minor. Beau spent close to a month in the hospital. A little over three months later Beau is doing great. He still has a ways to go but he’ll get there.
Trupanion was with me from the moment I called them. Not only was I grateful that I had pet insurance but by the time everything was over with I was very glad that I had Trupanion. I’m not a big fan of insurance companies and I’ve had issues with them in the past but there were no issues with Trupanion. I hear stories all the time of people fighting with their insurance companies, pet, car, home etc. Not one time did Trupanion tell me no. They supported me and made things as easy for me as they could.
While I was waiting to move Beau from my vet’s office to the animal emergence room I contacted Trupanion to let them know what was going on. They had a pre-approval form sent to the emergency room before I even got there. Every time I’d call to make sure something was covered they’d say yes, anything dealing with the injury was covered. And believe me I called a lot.
Invoices were paid promptly and a couple of times they even called the animal hospital inquiring about invoices for me. Some pet insurance companies have a deductible, a limit on how much they will cover a year or per injury or disease. As I watched my bill get higher and higher, around $14,000, I was extremely happy that I went with Trupanion. I had no deductible, their basic policy had no financial limit and they covered 90% of the medical expenses, minus the cost of the office visit.
What the policy did not cover but what their people provided a hundred times over was support, and that is the real key to this company, their people. At the time of Beaus injury I had just started a new job. I was putting in 10 to 12 hours a day sometimes more. Two months before Beau’s injury I had to let go of my 14 year old whippet, Casey. Casey was 5 weeks old when he came into my life, and the last couple of his years were not easy, as is the case of a lot of dogs as they age. Between the new job, the long hours and on top of the loss of Casey; Beau’s accident was almost too much. I wasn’t ready, to deal agai
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
