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
When I had a question my call was answered directly by a person! She was able to answer my question right away.
The whole process from filing my claim to receiving payment was quick and easy.
If only human healthcare was this easy!
Trupanion is pretty good but very expensive. They have direct pay with many vets which is great! They charge you multiple deductibles unfortunately when the vet is running diagnostics trying to rule out different things- even though only 1 deductible should be charged. They are overall pretty good
I like that Trupanion is quick with claim responses, and it's easy to understand what is or isn't covered and why.
I don't like the premium hikes each year which seem hefty and our dog is only just about to turn 3 in November, but I'm already wondering if we should shop around for other insurance options that are less pricey and with lower average price hikes each year...
HUGE Annual Increases-Per Diagnosis Deductibles-No App Now
When I got this insurance 3 years ago I'd seen my boss have it and it only went up a few dollars. After I got it, it went from $175 to $290 a month. I increased my per diagnosis deductible to lower costs, then the next year it went from $242 to $389 a month! Like what the actual F? With that and the ridiculous per diagnosis deductible, I can't even afford to take him to the vet. Yes, they will pay the vet directly, but other than specialists and emergency, I have yet to find a vet that uses their software. I got the insurance specifically because they always charge at the age you sign them up, supposedly to keep it from increasing as they age, but mine has increased like crazy. It's much more than I paid with my last dog whose policy went up yearly as he aged. I also chose them because they pay directly, but many vets don't do that. I pay extra for coverage that's standard with most companies. With my last dog I had Healthy Paws which had a 90% reimbursement and a $100 annual deductible. I never had any issues with them and if it was a scheduled procedure, they would pay the vet directly. I left them with my new dog to avoid the annual increases, but I got screwed because trupanion has increased more than my other policy did and I had that one for around 8 years until my boy died. Now I feel like I'm stuck because anything he's been seen for or anything even mentioned, whether he had that issue or not, will be considered pre-existing. My renewal is coming up in October, and I'm terrified. All of my friends that get pets come to me for help getting insurance, and I do not even look at trupanion. The one friend in the beginning that did sign up switched when they sent her overpriced renewal notice. I'll just say, I've never had an issue getting paid, but I never once had an issue with Healthy Paws either, and it's much better paying an annual deductible than paying one every time you go to the vet for something new. That's also how they get you...if you go in for something you already paid the deductible on and they find a new issue, trupanion will make you pay a new deductible even though you already satisfied it for the reason you scheduled the visit. I have two other dogs, and they do not have trupanion. I'd be homeless if all my dogs were with them. There are so many companies that cost so much less and cover the same stuff and even more, like exam fees. If they don't do something soon, they will continue to lose people. Just for fun I priced our new dog, and trupanion cost three times more for less coverage that the other companies I looked at. They wanted $389 a month while others cost $98-$140, paid out 90%, and covered exam fees and acupuncture, etc without having to pay an extra monthly fee. DO BETTER! Stop lining your pockets with people's per diagnosis deductibles. You are literally the only company doing this. On top of that, there's not even a working app now? I just got my renewal and it's gone up 48%. Bye bye Trupanion. Spot is $146 with a $100 annual deductible and 90% reimbursement. I've set up 4 friends 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
