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
Really appreciated customer service working with me on changing a diagnosis on the original claim showed the wrong one. Apparently there isn’t a claim for an illiosoas strain, but there is muscle strain so that’s what we ended up using.
Thank you, Trupanion
Trupanion enabled my pet to get the care she needed that saved her life
Knowing that Trupanion was going to support the cost of care, I was able to ensure my cat, Rosie, received the care she needed instead of the care we could afford. I am so very grateful as she may not be with us anymore if we did not have Trupanion. Thank you, thank you!
You guys are so easy to work with when filing a claim. I wish it covered more but was so extremely helpful because my Lily had to go to ER. You approved right away and the hospital said you got right back to them. I have already recommended to my friends to use you
At first, I was thrilled to get pet insurance with Trupanion (through Chewy) and the policy I purchased, which is the highest tiered one, seemed amazing. Before I purchased it, I read through all the policy documents and I even printed out a copy for reference. After I paid for the policy, I patiently waited and completed the "waiting period" before the policy kicked in and became effective. All of this took place around February (I believe) or March. After the waiting period lapsed, I proceeded to take advantage of the insurance when I had to take my dog to the vet, mostly routine check ups and vaccinations. The policy even included the ability to request reimbursement for my pet's medication as long as it met the requirements.
After a couple of months, I attempted to cancel the policy because I was experiencing financial hardship and I could no longer afford the $107 plus monthly premium. When I called to cancel the policy, I was told that in order to cancel it, I would have to repay all the money I received from the claims I filed, which amounted to about $277 and change or somewhere around that. I commented that I just said I could no longer afford the $107 monthly premiums but you want me to repay $200 some back? They justified this by explaining that I would have to have paid an amount in monthly premiums equal to the amount of my claims in order to not owe anything, despite me paying the monthly premiums on time, in full, every time. In addition, I re-read the policy paperwork I printed out for reference and as far as I can see, there is no mention of having to repay all the money I received from the claims I filed. I was also told that if I didn't repay all the money back with in three days of canceling, I will automatically be sent to collections.
Frustratingly, I rescinded my request to end the policy and continued paying the premiums for another month (which put me in an even worse financial position). When the next month rolled around, I ended up re-homing my dog for the same reason, financial hardship. I called Trupanion again and explained that I no longer had the dog so I won't need the policy anymore. They immediately canceled the policy but didn't mention the repayment at all, so I assumed the situation called for waiving the requirement to pay all the money back. Sadly, that wasn't the case and they've been attempting to collect from my account, but since there's no money in it, it's been declined every time. Luckily I don't get charged NSF fees from the company I have the card through (Paypal). They've been attempting to collect that $271 and change (or whatever the exact amount is) for several days now, so I decided to close that card and get a new card with a new number.
I strongly urge anyone and evreryone TO STEER CLEAR FROM THIS PET INSURANCE COMPANY!!! They're just another money hungry business that does not care what your situation is, they just want their money in whatever way they can get it. DO NOT BUY YOUR PET INSURANCE FROM 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
