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.
Laser treatments for my dog's arthritis deemed preventative when they definitely reduce pain and increase mobility without dangerous side effects of increased sosages of medication. So laser treatments ARE treatments for malady and should be covered.
2
out of 5
POSTED:
| BY: Yolanda
No prompt responses by phone or email
I had emailed a question and never received a reply back.
I have not received yet for my prescription portion of my bill as of today.
I am often put on hold a very long time when I call your company for questions.
5
out of 5
POSTED:
| BY: Matt
Trupanion is the best
Instead of sleeping in and starting a relaxing Sunday off the way I expected, I woke up to the sound of my French Bulldog having a reverse sneezing episode. The episode itself wasn't unusual, but Harvey's breathing after the incident was cause for concern. After monitoring for about an hour, I had to take Harvey to the emergency vet service in my City. My breeders were worried that Harvey may have pneumonia, and my relaxing Sunday had quickly turned into a stressful one. Unfortunately, like some other unlucky Frenchies, Harvey has suffered from breathing issues in the past. He has already had surgery in an effort to fix the issue and give him a better quality of life (which I was able to afford, thanks to Trupanion). In addition to being very concerned for Harvey's health, my anxiety started to build when I thought about how much the emergency trip to the vet might cost me. I asked the vet's assistant whether the visit would be covered under Harvey's existing condition. They weren't sure, but they offered to call Trupanion for me. 15 minutes later, I was completely relieved to receive word that Trupanion would treat Harvey's visit as a recurrence of his existing condition, and therefore I wouldn't need to pay a new deductible. No hassle, and no questions asked. I didn't even need to speak with Trupanion myself. While it still wasn't the relaxing Sunday I had in mind, Trupanion made my day a lot better than it could have been. In case you're wondering, Harvey didn't have pneumonia, but is currently on medication, which we're hoping will be the first step to getting him back to good health. Thanks, Trupanion!
5
out of 5
POSTED:
| BY: Carolyn
Your customer reps are beyond compare- and at a time when you need their help the most- when terribly stressed over your beloved pet- they are the kind most helpful voice you need to hear.
Your customer reps are beyond compare- and at a time when you need their help the most- when terribly stressed over your beloved pet- they are the kind, most helpful voice you need to hear.
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
