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.
Our six-year-old cat, Mingus, was experiencing diarrhea, so we took him to the vet. It seemed to come on shortly after we went on holiday, so we presumed he was experiencing stress-induced enteritis. The vet concurred and subscribed an antibiotic based on a stool sample. We submitted that claim to Trupanion and they resolved it fairly quickly. Unfortunately, after about six weeks of a very slow recovery, things took a turn for the worse and Mingus stopped eating. We took him in to the vet again and, after keeping him overnight for further assessment, our regular vet felt there were liver issues that needed to be assessed by a specialist. And, again unfortunately, the specialist did not have a very optimistic outlook, especially after an MRI and a needle aspiration. That afternoon, I said goodbye to my friend. But, after all that sadness and stress, I submitted the paperwork to Trupanion and, within a week, they processed and paid my claims (covering over $1100 of about $1400). So, although my story is a sad one, Trupanion made the financial side much easier. Thank you, Trupanion.
5
out of 5
POSTED:
| BY: Ashley
worry free
It definitely came in handy when our animal hospital registered us with Trupanion insurance. Our puppy broke two of her toes and the cost associated to fix this was not in the budget. Luckily Trupanion will work directly with our animal hospital so the worry of being able to pay for our new family member's treatment was lifted. It was nice to not have to figure out how to pay up front and wait weeks for a cheque in the mail. It was all taken care of before I even left my house to pick her up from the animal hospital.
5
out of 5
POSTED:
| BY: Tessa
Very caring employees
This is the first time I've had pet insurance so I didn't have a lot of experience. I signed up for Trupanion based on the recommendation of a good friend whose dog had been hit by a car and had a wonderful experience dealing with them (her dog was fine, btw). They were very caring and helpful when I had my first and only claim.
5
out of 5
POSTED:
| BY: Steve
Very efficient handling of claim
My dog was diagnosed with acute Pancreatitis and the bills started to add up. Throughout my dog's illness, Trupanion never hesitated to pay a claim and they did it efficiently and without questions. I highly recommend them.
5
out of 5
POSTED:
| BY: arlene
very happy
We are very happy that Adobe Pet Hospital introduced us to Trupanion. We are very pleasedso far and love the way our claims are reimbursed
in a timely manner. Mariah is a jackapoo and very
much loved and we would do anything for her.
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
