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 have had Trupanion since my dog was 8 weeks old. I have made 2 claims in the past 4 years. The first one, I got pre-approval, the claim was reviewed and accepted. I was go pleased with their promptness. The second one was recently and within 2 days of receiving the claim I got a letter saying they had received the claim. Then within a week I received my reimbursement. This is a great company, prompt, courteous and worth the peace of mind knowing in an emergency they will relieve the burden of the vet bill. Thank you Trupanion.
5
out of 5
POSTED:
| BY: Amrita
Trupanion is simply THE BEST !
OMG, where should I begin, my 12 years and 6 month old other wise healthy Pug would not eat but drink only water and vomit that too...this was going on for 3-4 days before I traced out where our vet Dr. John O'Dea has moved, long story short, he referred us to VCA San Leandro, an Oncology speciality for pets. That please is very good too. Tuesday night Dr. Kristen Danielson examined my Pug, Veeran in the emergency at 8:30, and she stabilized him with an IV. We went back the next morning at 9:30 and he was prepped for Ultra Sound, Dr. Tong radiologist, did his part and Surgen Dr. Kimberly Carlson, took over Veeran along Oncologist Dr. Christine Merrick, both the vets shared the diagnosis with us and gave us options.., by looking at the ultasound images,we think it is intestinal Cancer, is operable and our dog was taken into surgery from Ultasound ....we accepted and shared Trupanion info with Sarah and before Veeran was taken into surgery, I received an email from Trupanion, that the procedure for my dog is pre approved. This is why I am giving a 10/10. That peace of mind at that time in our live is worth every year we paid our dues to Trupanion! My dog is 12. 6 years old and We choose to go for surgery, why because I cannot see my dog in pain and let him die in front of me...without us trying to save him and so we tried....and boy are we glad we did. The diagnosis remains the same same. That surgery gave him a second chance ! Thank you Trupanion! You are truly a BFF 👏👏👏
Sincerely,
Amrita, Veeran , his family & friends
5
out of 5
POSTED:
| BY: Matt
As Advertised
Very reasonable claims process and I was reimbursed quickly. If only human health insurance were this efficient :)
5
out of 5
POSTED:
| BY: Mahesh
Best Customer Care Company
I loved their service and prompt payment
5
out of 5
POSTED:
| BY: Beth
Absolutely the best!
We took out our policy when our King Charles Cavalier was 13 wks old. She is now 6 yrs old and has been diagnosed with multiple medical conditions common to the breed. She has had extensive testing, two surgeries and is on life long medication. Every single time I have submitted a claim it has been paid within just a few days! On the occasions that I have had to call Trupanion my questions have always been answered with utmost professionalism, but even better has been the degree of concern they have shown for making sure my sweet girl gets the best care, They are 100% the very best! Thanks you Trupanion for being such a wonderful company!
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
