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.
Trupanion was founded in Canada and provides bets-in-class coverage and 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.
To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month.
1Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy.
*Terms and conditions apply. Please view your sample policy for complete coverage details.
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.
The claims process is super easy. You just upload your invoice, answer a few questions and Trupanion takes it from there. They get back to you pretty quick so you aren’t waiting for an answer and they provide clear explanations for their decisions. If you have any questions you can give someone a call and you aren’t sitting on hold for hours waiting to talk to an actual human. The whole process is very transparent. All in all I would definitely recommend Trupanion.
1
out of 5
POSTED:
| BY: Roslyn Friesen
Look Elsewhere for Pet Insurance
I recently paid $2000 for a surgery that Trupanion had previously pre-approved. What they neglected to include in their pre-approval was that they only cover anesthetic (the largest item on any surgical invoice) at 50% and covered none of the pre-anesthetic work-up. That 90% they boast about covering? They didn't cover even 50% of my bill.
My clinic attempted to obtain information on my behalf on what was not covered and the reasoning behind it, the clinic's office manager was told TWICE that Trupanion would reach out to me directly. I never received a call at all. When I called Trupanion, the promise of them calling me was noted (yet not completed) and the agent on the line was able to only speak in generalities (not nearly useful enough to file an appeal) and when I expressed my frustration at the whole situation, she had the gall to tell me how I should have handled my pet's surgery differently as I wouldn't be in the predicament I am currently in. Nice.
I did appeal Trupanion's decision a week ago and to date, have not heard whether they have even received the information my vet clinic had sent by email. Who knows how long it will take before this company reviews my appeal?? Seriously, a total lack of communication here!
Today I cancelled my policies (after leaving 3 messages requesting callback to take care of this), figured I should get out while I still have a few dollars left in my pocket. The confirmation email I received was a laugh and, dare I say it - full of false claims:
"If you ever need medical insurance for your pets again in the future, we hope you’ll think of us. We’ll always be here when you need help, day or night, with the same great benefits you have now:
1. Total peace of mind. Your Trupanion coverage can help you budget for unexpected veterinary care—without maxing out a credit card or digging into your savings. You should never have to make a tough choice between finances and the care your pet needs. (I had ZERO peace of mind during my pet's illness and the stress Trupanion has put me through by not living up to their commitments has not helped my mental health at all. I also absolutely DID need to “dig into my savings” to pay the bill that Trupanion refused to.)
2. No out-of-pocket expense for covered costs. Trupanion members don’t have to wait for reimbursement, because we can pay veterinarians directly, within seconds, for all covered costs—and we can do it while you’re checking out. (This is true that they do pay veterinarians directly {note: unless they screw things up and “assume” I need to pay my deductible a second time, as they did with the same pet on a completely different issue earlier in the year - which once again took multiple calls and resubmitting invoices before they would admit their error}; however when they don't stand behind their coverage, members absolutely DO pay out-of-pocket {until they admit they screwed things up the first time}.)
3. The most comprehensive coverage. Your Trupanion coverage includes things that a lot of other policies don’t, including dental coverage, food and supplement coverage, and no payout caps or limits. See how we stack up against the competition." (This bullet is a blatant lie - my cat was diagnosed not long ago with struvites and immediately put on a urinary prescription diet. Trupanion does not pay for this required diet. Dental coverage is also not included, and apparently neither is half of other anesthetic).
TLDR: In short - if you value your pets and your pocketbook, look elsewhere for pet insurance, because you won’t get what you are promised from Trupanion.
Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.
Coverage
One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice.
To view a full list of inclusions and exclusions, check out our sample policy here.
Payout Limits
Unlimited lifetime payouts on eligible conditions with no payout limits-ever.
Deductible
You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget.
Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.
Age Limits
All pets under 14 years old can enroll.
Once enrolled, pets stay insured regardless of age.
Waiting Period
Accidents: 5 days
Illnesses: 30 days
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 all pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early!
*Terms and conditions apply. Please view your sample policy for complete coverage details.
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.
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
$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
Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company
