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
The pet insurance market is difficult to navigate - it is confusing in terms of what you are actually buying. I have been involved with Trupanion for over 20 years, first as a veterinary clinic owner then as a dog owner. I can say with conviction that Trupanion offers the best coverage: the lack of a lifetime maximum as well as transparent claims processing is stellar. Don’t fall for cheap premiums - you truly get what you pay for.
Customer service was very friendly and responsive. I signed up for a policy for my dog, but ended up canceling it in the 30-day guarantee window. I decided that the starting premiums were far too high, considering I know they will be going up over her life. In a couple years, I would not be able to keep her on the policy after some increases in premiums... and by then, my girl will likely have pre-existing conditions so switching to any other company would be useless.
Also, I had to choose a $1k deductible just to afford it, and I felt like the policy would never be helpful, unless my girl ends up with a condition for the rest of her life. But if she has multiple accidents or illnesses from which she recovers, I will have lots of deductibles I have to meet at $1,000 each. The per accident/per condition deductible felt like it would end up costing me far more than a policy that has an annual deductible, and a deductible that is much lower, since the rates are ones I will be able to afford.
So I chose a different company. My premiums are almost half of Trupanions and my deductible is $250 per year for an unlimited payout at 90% after I meet the deductible each year. Oh, and the one I switched to covers exam fees. If you have to go to an emergency room, that can be anywhere from $125 to $250 just for the examination fee.
I appreciate Trupanion's 24/7 customer service. Unfortunately the bottom line is I can barely afford their starting premiums, I flat out cannot afford the premiums with the deductibles I really need, and in a few years when my girl really needs insurance, I fear their rates would be one where I would be forced to drop her insurance. They stress repeatedly that they are the only company where rates are not increased because of your pet's age. Beware: this does not mean their rates do not increase. I have seen review after review of exorbitant increases in rates.
Also note that, while they boasted of being the only company that uses direct pay (not actually true, btw... the company I chose has a similar process where I don't have to pay up front if my vet hospital is willing to submit the paperwork and wait for payment), if your vet does not participate in direct pay, you still have to pay up front. My vet does not participate in Trupanion's direct pay system... nor do most vet offices that I spoke to in my area. I found one ER that does, otherwise I found none.
The recent enrollment wasn't too bad, but unfortunately I missed the emails telling me about different riders, which I'm not sure what they are or mean. I only had a month, so I guess I missed out on those. I am not as good reading and learning from phone emails, I'm older and used to the old school ways.
This company is completely untrustworthy. I paid in for 12 years and the first time I had a claim they paid less than 30% of my claim - with a policy that is supposed to pay 90%. When you take your dog in on an emergency basis they do not pay for "examination" to determine what is wrong with your dog. I was told twice that acupuncture treatment (to control inflammation from IVDD) would be paid for, only to have these claims denied. The premiums go up every year - now over $175 a month for ridiculous claim policies. They are a terrible, terrible company. Save your money and use foregone premiums to pay for treatment yourself - you will save money. When I first started with them, my premium was around $35 a month - now it is $175 a month. A 500% increase in 12 years. Supposedly this is based on inflation, not my dog's age. Inflation over 12 years has not been 500%. I am ashamed that I was taken in by this 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
