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
Trupanion Is A Great Solution For Low Income Pet Parents!
I would highly recommend Trupanion as a source of medical pet insurance, and especially for people who are low income or on a fixed income as there are several features that this company provides which make protecting your pet from a medical catastrophe an extremely feasible possibility. Let me explain how… Firstly, when initially setting up your policy, they provide the option to pay the entirety of your deductible in your monthly premium and select a max coverage of 90%, leaving only a 10% copay remaining to be paid at the time of the visit. And then next you can count on your monthly premium not going up with your pet’s increasing age. And then last but not least and perhaps most important to people who are low income or on a fixed income is the fact that they cover any and all veterinarians, however if you see a physician that is part of their specific network, they have the ability to take your payment from your insurance claim direct-to-vet and therefore you are not forced to first pay out-of-pocket and then wait for a reimbursable to arrive in the mail or as a direct deposit. As a person on disability who is low income and who relies on an emotional support pet, there would be many medical costs for which I would be unable to pay out-of-pocket initially in order to wait for the reimbursement and therefore having the option to have the payment made direct to the vet minus the small percentage that must be paid as a co-pay is an absolute God-send and without the possibility of a company like Trupanion, it likely wouldn’t even be possible for me to afford to have a dog or a cat - at least not without having to irresponsibly have to deny them access to the medical care and emergency treatment they may need and definitely deserve. And so even on a very low income, it should not be difficult to keep $500 or $1000 dollars in savings at all times so that even if you end up having to face some of the most expensive procedures possible for your pet which might cost as much as $5,000 or $10,000 for something complicated and surgical (and God forbid that that happen to anyone ever to begin with! But IF it did…), you would easily be able to pay the co-pay and Trupanion would cover the rest (if you select the 90% coverage and 0% deductible plan) and you would not be expected to pay something like $5,000 or $10,000 out of pocket all at once while you waited for a reimbursement. And for those of us on SSI, SSDI and fixed income retirement pensions, having extra money lying around like that to the tune of such large quantities is likely not going to be something most people in this income bracket are going to have immediate access to (if at all) nor may they be able to take a loan of this nature. And this is truly the best benefit and most helpful thing about Trupanion’s pet insurance is that it allows you to have a way to stay covered in even the most expensive and unexpected of situations! Some people may tell you that pet insurance is a waste of money or that it is a lot of money that you will spend each month that may never get used, and if you earn a lot of money annually with your income, this may be true because you might be able to pay out-of-pocket if something were to happen to your pet, but for those of us who would not be able to do that and need to be paying these large chunks in small increments over a long period of time, being able to do that through a monthly pet insurance payment plan that doesn’t have increasing premiums is the best way to do it and the best way to cover your rear end (and your pet’s!) concerning any surprise emergency vet expenses that could be unrealistically expensive and result in having to choose a horrible option like having to euthanize your pet instead if you were unable to come up with the funds that pet insurance can otherwise provide you. To me this is a completely invaluable service, and especially after having lost a dog a couple years ago to cancer due to this very situation that I was describing above. It simply was not feasible to be able to afford the cost of chemotherapy and radiation for my dog while being low income and without pet insurance, there was no choice but to have my dog put to sleep which was extremely traumatic and still saddens my whole family to this day. We have a wonderful new dog who will never replace our previous dog but is just as great of a buddy and I want to make sure that this time I can do everything to make sure that this never has to happen again. Trupanion gives me peace of mind and freedom from having to concern myself with worrying about a surprise financial catastrophe that I would not be able to afford causing me to potentially lose my fur friend again. I will always have pet insurance from here on out and I highly recommend Trupanion to everyone but especially to those who are low income, on SSI/SSDI, or on fixed income retirement plans.
With a week before the holidays my dog became sick and I rushed him to vet. Luckily I had just received a Christmas bonus at work and used it all for my dog which I was glad to use and would do it again, but it left me pretty strapped for funds. I was able to easily submit my claim online and was kept informed about the proceedings. I was literally in tears receiving the email in just a few days that Trupanion was covering the majority of my bill. Thank you - your company is the best. I always recommend you to friends who get new pups.
5
out of 5
POSTED:
| BY: Margaret Carter-Hilland
You are the best insurance company for our pets!
I can’t express the gratitude that I have for Trupanion!
I’m disabled and would not possibly be able to afford his end of life veterinarian bills and/or medicine. You are making this transitioning time so much easier. I owe Mile dept of gratitude, for I was bedbound when I got him. He got me walking again!
Because of Trupanion, I can make his transition a bit more comfortable. I don’t have to worry as to wether I can afford to get him the care that is needed at this time. I can focus my energy on making him comfortable, and loving on him during this transition time.
My veterinarian takes Trupanion up front. My wish is that BluePearl would do the same thing.
Thank you so very much, for making these trying times a bit easier!
4
out of 5
POSTED:
| BY:
Very good result but took quite a long time to get my 1st claim completed.
Very good result but took quite a long time to get my 1st claim completed. Understand initial claim requires more legwork & your company as every other employer is understaffed.
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
