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 have had Trupanion for my fist dog for the last 3 years. I purchased it when he was 1 so some claims were tagged with "pre-existing" conditions for large breed dogs, I initially thought I was flushing my money away. However in the past 6 months he has had cruciate knee surgery, which would have cost me a small fortune. Thank goodness I have Trupanion. They paid directly to the surgeons office saving me a lot of stress and financial burden! Thank you for allowing pet parents to care for their babies and not have to worry about cost. Thank you for listening compassionately to appeals and not immediately denying. We are so very pleased with Trupanion!
My cassie had major surgery on thursday i'm so great full having trupanion pet insurance highly recommended this pet insurance no hassle and extremely easy to submit your claims
I ended up with a kitten from an unethical breeder and after 3 weeks things went from bad to worse within 7 days. I had 2 free insurance trial offers and mentioned that to my Vet initially. This comment was mentioned in the Veterinarian Diagnostic and as a result Trupanion adjusters assumed I had a 2nd insurance, yet never called me to clarify. So I received nothing based on some jargon about percentages in their description. I then had to call 2 insurance providers to send emails to confirm to Trupanion I was not covered.
This process took 2 weeks and then another 4 weeks for Appeal. Then I needed to call my Vet to have them separate the Euthanasia cost from the Cremation, so now I am waiting another few weeks. They prefer to have you appeal versus speaking to you or the Vet to confirm anything. Don't bother sending an email, they never respond.
Finally I noticed that I did not receive 90% of the costs when all was said and done, as is stated on their website. So now more calls & emails, in which there were explanations about multiple mathematical gymnastics pertaining to Version 1 and Version 2 of my Claim. The obvious discrepancies were not addressed. I was told I did not understand and should call any Customer Agent to have them explain.
They also removed 90% of the initial Claim documents from the site so it would be impossible to have anyone comb through them.
Because the serious issues occured during a 7 day period, the Claim Invoices were sent in one batch. Their adjusters did not look at things sequentially, and the deductable was applied in bits and pieces, including the supposed 90% coverage. Nevertheless it should not have shown a difference if the math was accurate.
This company moves through claims quickly, but since we then have to wait months for Appeals I'd venture to say there are a great many of them.
I am still waiting 2 months later. It's a small amount, but imagine all these amounts accruing in their favour. Their website marketing is cleverly designed to make you feel like they are amazing. I chose them due to the premiums not going up with age. And therein lies the obvious. Animals like humans get sick with age, if the premiums do not go up, how can they make a profit?
Avoid this company, they are smooth and slick tricksters.
When our pet is sick or dies we need sympathetic people. Trupanion only cares about their profit, and people with sick pets do not make good decisions and they tend to give up easily. I was with Pet Secure 10 years earlier for 2 cats, and never had to file an appeal. Everything was done in a transparent and compassionate manner. I would recommend you avoid Trupanion and I will notify my Clinic as well, that they are fraudsters.
My 8 year old Schnauzer Penny was extremely ill when we took her to our vet. After the vet did her initial evaluation and advised us of the expected protocol, we mentioned that we had TruPanion (TP) coverage. The vet told us that they would submit any forms and that they understood that TP was very easy to deal with. I was hopeful that this would be the case. At the end of a week on antibiotics and IV fluids and several sessions of bloodwork we received a diagnosis with our Penny now on the mend. We paid our bill and the vet submitted the clam on-line. The following morning I woke to an email & text indicating that our claim had been received and was being reviewed. A day later we received an email advising that our claim had been approved and that the payment was being issued.
I needed clarification on something so called the TP help line. The person I spoke with was most helpful and very knowledgeable.
A really positive experience at a stressful time.
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
