Pets can be full of surprises-so their insurance coverage shouldn’t be. That’s why Trupanion 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.
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.
To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month.
1 Based on a November 2020 internal study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy.
* Terms and Conditions apply. Policy details vary by state, please review your states policy for full coverage details. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay.
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.
Source: Survey commissioned by dvm360, from April 19-June 9, 2022
I was so grateful for Trupanion working directly with the emergency vet I had to take my dog to. It saved my family thousands and allowed me to say “yes” to anything my dog needed. It was so easy to use too. To have that peace of mind is priceless.
The premiums are so high and escalate so much every year...like another mortgage payment
My only issue is the incredibly high premiums. They are so astronomical that it makes it so difficult to insure your pet. You give people no choice but to pay because of the love of our pets. Bring down the price please!
Trupanion didn't come through when I needed them most.
The provider denied all my claims and appeals for my sick puppy. I purchased accident and illness insurance through Chewy Care Plus which partners with Trupanion, so I'm posting this review here since Trupanion is the provider who handled all the claims and appeals. All the customer service reps I spoke to were associated with Trupanion. My vet who helped me with my appeals had to speak to a specialist associated with Trupanion. After going through all the procedures and waiting several weeks for the final decision, I was denied any reimbursement by Trupanion. To say I was disappointed is like saying the iceberg that sank the Titanic was just a teeny tiny snowflake. Disappointment doesn't even begin to cover it. For clarification, I'll explain the circumstances. My puppy, Ginger, became very ill very early. I took her to an emergency vet while her policy was still in the waiting period. I knew the policy would not be active yet, so I didn't submit a claim. First, she was treated as an outpatient. When she went back later and had to be hospitalized AFTER the waiting period, they would not cover her hospital stay. They could see from her records that she had been there before, so they called it a preexisting condition. That loophole was stated in the policy, so I just swallowed the cost and sucked it up. The REAL issue I have with Trupanion is with the second hospitalization claim. She was hospitalized a second time, given different diagnostic tests, and received a different diagnosis. After reviewing all her medical records and speaking with Ginger's vet, they still denied the appeal, because, as they put it, "there was no disconnect." In other words, they wouldn't cover the treatment because they thought the two conditions were related. Ginger was also diagnosed with Coccidia and Giardia, parasitic infections which were unrelated to her respiratory infection. They wouldn't cover that treatment either, even when it was only a small amount that could have been applied toward her deductible. Her litter mate, Cinnamon, was also treated for Coccidia and Giardia and Trupanion applied that cost toward Cinnamon's deductible. It doesn't make sense that they didn't do the same thing with Ginger. I think the appeals team was negligent in their investigation. The assessment they made was inaccurate and unfair. It seemed to me that they were just looking for excuses to deny coverage without having any real proof. If I could afford it, I would sue them. I am still paying vet bills which have cost thousands. I got pet insurance so I wouldn't be in this situation. Given my bad experience, I can't recommend Trupanion or any other plan who partners with them.
Your monthly premium is determined by multiple factors including your pet’s species, gender, breed, age, zip code, and the deductible amount you choose if your policy allows.
Coverage
Depending on your plan, the Trupanion policy pays up to 100% of your vet bill for all eligible expenses. There are unlimited payout limits, always and Trupanion will never increase or cancel your coverage because of claims you submit. Coverage includes new accidents and illnesses, hereditary, congenital, and chronic conditions, diagnostic tests, hospital stays, and much more. Trupanion prides itself on paying out more on the dollar than any other provider and has paid out nearly $2 billion in claims to date.
Payout Limits
The Trupanion policy* has no payout limits, so whether your pet needs one quick visit or a lifetime of care, your coverage won’t quit.
That can mean a big difference if your pet develops a chronic condition requiring extended care like allergies, diabetes, or even cancer.
Deductible
If your Trupanion policy has a deductible, you can customize it to fit your budget. You can choose from $50 to $1,000 in increments of $5, or choose to have no deductible at all. Trupanion deductibles are per-condition and good for the life of your pet. That means no annual resets-once a deductible is met, you never have to pay the deductible for that condition again.
Age Limits
All new pets can enroll from birth until their 14th birthday. Once your pet is enrolled, they can be enrolled for life
Waiting Period
Waiting periods vary by state. Please see your states policy for full coverage details.
However, 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 many other pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early!
* Terms and Conditions apply. Coverage may vary by state. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay.
Underwritten in Canada by Omega General Insurance Company and GPIC Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit AmericanPetInsurance.com to review all available pet health insurance products.
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.
We’re committed to sharing industry data, supporting animal welfare organizations, and working with federal and state regulators to help more pets get better care.
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
Nearly $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
