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 enrolled Cujo when he was a puppy and just before his 2nd birthday he was diagnosed with epilepsy. Trupanion has been amazing to deal with in all aspects of his coverage. If it wasn't for Trupanion Cujo may have had to be put down because of the costs. As an example I just bought 3 months worth of drugs that cost $460, within 48 hours of submitting his claim I was direct deposited $416.Thank you Trupanion for being there!
As I always say "insurance is a waste of money until you need it and then it's worth every penny!
5
out of 5
POSTED:
| BY: Pat Boswell
You people are amazing!
You guys and gals are the BEST. Always prompt,friendly,cooperative.I truly enjoy doing business with you, and so does Grizzly.
5
out of 5
POSTED:
| BY: Kat Boyes
Best Pet Insurance
So glad that I decided years ago to purchase Pet Insurance coverage for my dog. Trupanion's claims process is so easy and fast, and now that I can have my animal hospital submit the claim BEFORE I leave their hospital, nothing could be easier! My dog has better coverage than I do!
5
out of 5
POSTED:
| BY: Molly
I am so appreciative of the ongoing commitment
Molly has a number of medical concerns which require Veterinary evaluation, interventions and frequent monitoring/follow-up. Providing quality care for Molly has always been a priority. Applying for insurance for Molly was one of the best decisions we have ever made. Molly is a very special member of our family!
5
out of 5
POSTED:
| BY: Yvonne Brandenburg
My dog's still alive
I've worked in the veterinary field for over 12 years, and currently work in an Internal Medicine specialty service. I am amazed at how the insurance industry has changed veterinary medicine. Clients and patients are able to afford medical treatments that prior to insurance they couldn't which often led to euthanasia of a family member. I have told many people over the years to get insurance for their pets, and fortunately I eventually took my own advice.
I originally got pet insurance for my pets because of an HR benefit from a family member. It was another insurance company and I had a horrible experience. It took over 3 months for a claim to be paid, and took a lot of back and forth between the company, the veterinary clinic and myself. During this experience, I spoke to some of the receptionists at the veterinary hospital I work for to see what their opinions were on the best insurance company. They overwhelming told me Trupanion was the easiest, quickest, and best. I decided then to sign up my dog first, until I completed the claim with the other company for my cat's bill.
This was the best decision I could have made. My dog, Luna, has had some issues with skin allergies throughout her life. Other than that, she was pretty healthy dog.
About 1 month after getting Trupanion insurance, I noticed she was lethargic, and didn't want to eat her food. She's a food hound, so I brought her into work right away. She was admitted as soon as I took her in. Her red blood cell level was 16%, normal is over 35%, and she had no platelets. I was shocked that I didn't even realize she was so sick. How did I miss the clues?
It turned out that she has an Auto Immune disease where her body attacks her red blood cells and platelets. She was in the hospital for 5 days, with 2 blood transfusions, and was started on some pretty major medications.
Her initial bill was well over $4000, and that was with my employee discount. We spoke to a rep from Trupanion on the first day that she was in the hospital and they review her medical records and preapproved her within 24 hours of the initial contact! Once the final bill was completed, I submitted my first claim ever with them. I was very skeptical given my ongoing experience with the other insurance company. When the first check came within a week of her being home, I was shocked! Trupanion didn't try to 'weasle' their way out of reimbursement, and covered everything!
It really did take a huge weight off my sh
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
