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.
My vet located 5 lumps on my 5yrs old Bernadoddle. We had them removed, 4 were sists and 1 was a benign tumor. Trupanion was amazing, paid the vet directly and cover 2/3 of the bill. I'm so happy we have their insurance.
Owning a boxer means medical bills are a fact of life. Trupanion provides the most coverage possible for acute and chronic conditions. Yes the monthly fees can be high, even with a high deductible, however the responsiveness for reimbursement and direct vet billing outweighs that. My most recent $5000 experience involved an endoscopy, ultrasound, xray and labwork followed by many months of $380/month medications in addition to prescription food. He's not yet 3 and I am sure as with my other boxer, he will be the vet loving creature that she was! It's a no brainer if you are considering and can afford insurance.
Great Company and Coverage - Worth Spending the Money
What a wonderful company and people that work for them. Every time I’ve reached out to them, their agents are patient, professional but empathetic and really helpful. I had to take my pup into emergency last night and found that there was a mix up with the initial medical report on my pup so they hadn’t enabled my coverage. The service agent was great and told me what I needed to do as well as ways I could potentially speed up the process. While at the vet, the vet tech reached out to Trupanion for me and after a couple standard questions and discussion with the tech, they approved my claim! What a relief to have less of the financial hit to get her proper care. I am so impressed that reviewed and approved the claim as quick as they did. They really helped to make a very stressful situation less stressful. I absolutely recommend their service!
I cannot express how much gratitude and heartfelt thanks and appreciation that I feel for this wonderful company, Trupanion. Trupanion has been there, by my side, through the sudden illness of my three pets. A couple of years ago, my chihuahua needed a VERY expensive spine surgery on his neck for a blown out disc, a long expensive hospital stay and physiotherapy after his surgery. Nine months ago my four year old Yorkie needed a surgery for a collapsed trachea and required a long term hospital stay. She then developed pneumonia after surgery and was hospitalized for another long hospital stay. (Unfortunately she didn’t survive) My Papillon puppy woke one night shivering and vomiting and ended up in the hospital for a long hospitalization stay for a sudden illness and extremely high liver enzymes count….TWICE. Trupanion has paid out THOUSANDS OF DOLLARS to my Vet and Vet specialists. As an injured, and permanently disabled Veteran living off of a pension and lifelong savings, I don’t know what I would have done without having Trupanion for my sick fur babies. I would have bankrupted my savings to save their lives, because, they are my babies, my life. Thank you Trupanion for taking care of everything without having me to worry about any medical finances when my babies were so sick. All I had to do was provided my policy number to my Vet and it was submitted to Trupanion and they took it from there! All the bills were immediately paid, without any question or hassle for me and directly paid to the Vet. They even sent a follow up email asking how my pets were doing. While at the Vet Hospital this past November with my critically sick Papillon puppy, I had the pleasure to speak with another Veteran, also a senior citizen AND a Trupanion client. He was there waiting for his dog who was having an x-Ray to check on the rod and pins in his dogs leg and getting his bandaged changed.His dog’s leg was broken in two places and needed an EXTREMELY EXPENSIVE surgery to have his leg fixed with a titanium rod and pins. He told me that he had been paying into Trupanion for two years and never used it before, so, he figured it was a waste of his money and thought that he would never use it, because his 120 pound dog was like a horse and just as healthy. He said that he actually picked up his phone on that Friday, several weeks prior, and dialled Trupanion’s number to cancel his pet insurance. Due to unexpected company showing up at his house (miracle intervention he called it) he hung up before a Trupanion agent answered his call, with the intention of calling back later. His visitors ended up staying for dinner, it got late and he then forgot to call back to cancel the insurance. The very next morning, while out on their morning walk, his dog fell through a big hole in the ground and broke his leg in two places. He said that without the insurance he would have had to put his beloved companion dog down, because he couldn’t afford the surgery. With that, out comes his dog, running around, as if he had nothing wrong. His dog’s leg was wrapped in a bandage with Remembrance Day Poppies all over it….soooo nice! Please believe me when I say…just go and buy the Trupanion medical insurance for your pet, because you will NOT regret it.
Trupanion has been there for us & our Great Dane since he was diagnosed with his illness.
We have been so very pleased with the speedy service we have received - submitting claims is so very easy & there is an immediate response from trupanion confirming . They truly care about our big guy! We highly recommend to anyone who is looking for pet insurance.
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
