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.
My 18 month old King Charles Spaniel became ill this Spring. We were not sure what the cause was, and it took our vet nearly 4 weeks to figure it out, treat her and get her healthy. I was afraid that there would be "some" kind of issue with the amount of our claim, or something that was done during the treatment period, for just "reason" that I wasn't aware of. Instead, I am happy to report that not only is my dog HEALTHY again, but Trupanion got my claim, promptly notified me via email, continued to keep me updated with detailed individual claims, and ultimately issued checks to us for nearly 90% of her expenses, minus our co-pay. I was SHOCKED that filing this claim was as easy as they said it was and that receiving payment was also as easy! Thank you Trupanion, for honoring your policy as stated and for your prompt attention and resolution to our claim!
5
out of 5
POSTED:
| BY: Ted Hegeman
Annie's Knee Surgeries
Annie is a 16 month old Bicon who, unfortunately was found by Dr. Kalt at Noah's Animal Hospital to have subluxation of her patella. She had undergone surgery for the same problem in the other knee about six months ago. The good news is that she is recovering well 10 days after surgery.We are very fortunate to have signed up for Trupanion after an early visit to Noah's last year. Dr. Kalt had referred us to the insurance. Trupanion responded promptly to claims for the first surgery as well as a previous illness. Although Annie's surgery was only 10 days ago we have already received a response from Trupanion about coverage for her current surgery. Trupanion has been profession, responsive and concerned with all of our issues. We are very glad to have this insurance.
5
out of 5
POSTED:
| BY: Gerald Thompson
Great People that Care
Trupanion was very helpful in making sure that my dog got the care that she needed when she needed it.
5
out of 5
POSTED:
| BY: Lourdes Jarvis
Trupanion was there for us! Thank you
A few months ago, I was at our Vets office for our 2 year old cattle dog, Ares. Our Vet asked us if we ever thought about having pet insurance on Ares. I had thought about it, but was still searching for more pet ins info. The Vet said that they had info on a different type of pet ins (basically for accidents, illnesses, etc). The Vet told me a story about a pet owner who had a bill of $27,000 ( yes, I am confirming the $27,000) and yes, Trupanion was there to saved the day. Anyway, he gave me a form with Trupanion's number to call, and that they would insure Ares for 1 month free of charge with a $250 deductible. I called Trupanion. Spoke to a wonderful young lady named Emilie. She was great, answered all my questions and concerns. In the meanwhile, I had told Emilie that we were looking into getting a new puppy, same breed and may be interested in insuring both dogs. So at the end of the 30 days trial for Ares, I called back and spoke with Emilie and decided to take out the policies on both dogs. Emilie asked me if I wanted the 30 days free trial for the new puppy, named Jillaroo. I declined and said go ahead and insure both now. She did. I asked for a $300 deductible. Emilie said, that Jillaroo would not be insured for illnesses for (30 days, and accidents (5 days). Eleven days later we were headed to the ER for Jillaroo (10weeks old). She had swallowed a teething puppy (edible) biscuit and instead of chewing on it like she did 2 nights before, she decided to swallow
4
out of 5
POSTED:
| BY: David M.
Provided excellent service
My lab had a distended stomach and had to be rushed to the vet hospital. Brought him home after 2 days as good as ever, along with a $1500 bill. Trupanion was quick in getting all the required information and after the deductibles, provided us with a check covering the bulk of the bill. I am very satisfied and would recommend them to others. Now I just want to see if my payments go up. If not, I'll be totally impressed and will let you know. Right now I'll give them an 8 and if the monthly payments stay the same I'll give them a 10.
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
