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 a 12 year old Bichon, Katie Rose, and on Sunday morning, October 5th, 2014, we were awakened by her kicking the bed post. She was having a seizure, she had never had one before, none of my dogs have ever had seizures. We took her to the emergency clinic, they kept her overnight and she had two more gran mall seizures. The next morning, we took her to AVS which is a specialty clinic, we saw the neurologist and after an MRI, they diagnosed her with a brain tumor, and only gave her weeks to months. I took out Trupanion in 2010, never dreaming we would need it, and sure enough, we did need it. The bills were mounting up for those few days, over two thousand dollars. I submitted the claims and within ten days, I had the reimbursement checks. We were amazed that the claims were paid so promptly, and the people at Trupanion were so caring and interested in how Katie was coming along. I cannot say enough about Trupanion being truthful, honest, compassionate and interested in my pet. Definitely recommend them!
5
out of 5
POSTED:
| BY: Bev Milobar
Amazing
Insurance companies are notorious for bad service and denying claims. Not TRUPANION. My litter terroir has been through hell with a recurring ACL tear. A miserable recovery and expensive surgery. I have been absolutely vigilant on his post op care. Trupanion has been so compassionate, so thorough and so incredibly quick on their responses. This company has removed so much stress from my plate. I can focus on my wonderful friend. If you have a pet, do yourself a favour.
5
out of 5
POSTED:
| BY: Terrie
great at claims
very thorough and get back to you about claims right away. However, I am still waiting to hear back about an email I wrote to them- not so good at answering emails as letting you know the status of your claim.
5
out of 5
POSTED:
| BY: C.
Smooth & correct payment
Last summer, our 1y old cat was diagnosed with FIP (or rather, at that time, suspicion of FIP). She recovered of some of her initial symptoms, thanks to the excellent care of our vets (AMC NYC), where at some point she even appeared to in excellent condition again... Yet the past few weeks her condition declined so badly that eventually she was no longer able to walk and stopped eating. Finally, we had to make the difficult decision to opt for euthanasia. But thanks to the excellent service and hassle-free paybacks of Trupanion, we are confident we have been able to explore all possible options. Because of our Trupanion insurance, we could focus on giving our pet the best possible treatment, without having to worry too much about the financial implications. We are truly grateful for how smoothly Trupanion handled our claims, amounting to a few USD 1000s in total.
5
out of 5
POSTED:
| BY: Margaret
Outstanding Insurer
Everyone told us pet insurance was a waste of money. After a few years of vet's bills, however, we decided that the peace of mind was worth a few dollars each month to avoid the possibility of an excruciating decision down the road. Trupanion was one of several companies we considered. We have been completely satisfied with them; I only wish our other insurance companies were so responsive, service oriented, and reasonable. Our beagle is now almost 7 years old and was diagnosed with Cushing's disease about a year ago. Trupanion didn't blink; they have met all the responsibilities they committed to meet quickly and accurately. And they haven't jacked up our premiums to the hilt as a result of regular claims. A first-rate company. We couldn't be more pleased.
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
