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.
I have found that an awfull lot is not covered, I thought that 90 % coverage does not cover 90%, and my monthly payment has gone up from $55.00 a month to $136.00 a month but still doesn't cover most things, I am thinking about cancelling the Pet Insurance because of this. Dorothy Weatherston 250-380-1634.
4
out of 5
POSTED:
| BY: Marilyn
Fine.
Fine. I wish you had given the reason on the denial, so I do not have to research it all myself. I am assuming it must have come under the "Previous" situation.
5
out of 5
POSTED:
| BY: Taryn
Easy
Quick and easy
5
out of 5
POSTED:
| BY: Laura
Awesome company
Always easy to deal with. I am always so grateful for your service.
5
out of 5
POSTED:
| BY: Tammy
Pollie's Journey
Thanks to the financial help with Pollie's health care costs that Trupanion provides we are able to focus on keeping Pollie healthy, helping her through any medical issues and keeping her active.
Our first experience with a major claim was in August/September 2014 when Pollie was 3 years 9 months old. We were on vacation in Nova Scotia visiting Ron's family with Pollie for the first time. A few days after we arrived she stopped eating, was lethargic and weak when standing. She also did not want to play ball, which she normally wants to do 24 hours a day. We took her to a vet and was initial told it was an upset stomach from the flight, then we took her to another vet a couple days later in Baddeck and he ran some tests and thought she was going into kidney failure. He did not give up in her and looked at the blood tests again and noticed her Addison's Ratio was way out of whack. She was in an Addison's Crisis and at that point we did not even know she had Addison's Disease. He pulled her through the crisis by aggressively treating her for Addison's before the results even came in for the from PEI. Her Addison's is now under control with a low dose daily of prednisone and a Percorten injection every 28 days which she will be on for the remainder of her life. The initial cost of the treatment was over $8,000 CAD and her monthly Percorten injection is over $200 CAD.
Our second major claim was in May/June 2018 when Pollie was 7 years 7 months old. After I noticed that she had started scooting, I took her into her regular vet to get her anal glands expressed. While she was expressing the right gland she felt a small bump. Pollie was put on antibiotics for 2 weeks with the initial thought that it was an infection. In June 2018 she had surgery to remove the right anal gland and it was found that Pollie had anal gland adenocarcinoma. After her bottom healed she had 6 treatments of chemotherapy. Pollie was in remission for 17 weeks, 1 day before her Oncologist found a tumor regrowth in March 2019. Pollie had surgery done again to remove the tumour and after her bottom healed again she went through radation therapy. 18 fractions in 15 days over a 4 week period. On December 16th, 2019 Pollie went for her 6 month post therapy CT Scan, physical and blood work. On December 19th her Radiation Oncologist phone bright and early in the morning with the news that no sign of disease was found. The treatments for Pollie's cancer to date were over $20,000 CAD. As of today (January 11th) Pollie is 31 weeks, 2 days with no sign of the cancer and her next appointment with her Oncologist is scheduled for April 8th.
We celebrated Pollie's 9th birthday in Canmore, AB for the weekend of October 26th and celebrated bring in the new decade in Canmore again with her Dec 29th-Jan 2nd doing most of the things she loves to do, playing ball in the off leash park and going on nature walks in the mountains. We are looking forward to taking her back to Nova Scotia this summer and letting her swim in the ocean, rivers and lake which is another thing she loves to do.
I want to thank Trupanion from the bottom of my heart for helping with Pollie's health care costs and allowing me to focus totally on keeping Pollie health and happy.
Sincerely,
Ron, Pollie and Tammy
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
