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.
Trupanion has paid for itself 10 times over already!
This might be long winded, but I just want to tell a few examples of how great my experience has been so far with trupanion. I have done alot of research before getting insurance for bear, and trupanion came out on top by far in every aspect. By the age of 6 months, my rottweiler needed double TPLO surgery at a cost of $14,000 and trupanion was there to cover 90% no questions asked. Also, my parents put insurance on their older mixed breed who was 9 at the time of coverage, and about 3 months after insuring him they found out he had hemangiosarcoma when his spleen had ruptured suddenly when they brought him to the emergency vet. Trupanion was willing to pay for a $6000 emergency surgery at a moments notice, and the claim had been accepted within 10 minutes of the vet calling them! Most of the bad reviews I have read, I believe, are due to people not actually reading their policies and maybe not understanding what pre-existing really means, or not understanding that a condition may be covered but you are going to pay full price until your deductible is satisfied (just my opinion, sorry). Trupanion has been a life saver for us.
1
out of 5
POSTED:
| BY: Melanie Mathieu
Extremely disappointed
Extremely disappointed in numerous increase in monthly fees; these are apparently only reassessed on the anniversary of the policy but we have only been other the company 2.5 yrs and have had 4 increases.
1
out of 5
POSTED:
| BY: kirsten scollie
Do Not Use Them
My Labrador lived to almost 15. We had been with trupanion for 12 years. So many times, during the first ten years I wondered whether it was worth the monthly premium (which, I might add, went up regularly and for no apparent reason), given my girl was very healthy. My vet encouraged me to stick with it, saying you'll need it in her old age. So I did, I stuck with them and paid over 100 bucks a month. THEN when she started to have arthritis Trupanion tried to only pay a percentage of her pain meds, because she had surgery on one of her legs when she was a pup. Pre-existing they claimed. But the same medication helped new arthritic areas as well as the previous injury site, so they tried to only pay a portion of the pain med. It’s not like I could isolate the pain med to go only to the new injury. My vet went to bat for me saying their opinion was beyond ridiculous and we got them to concede but not without a lot it time and effort and aggravation.. Not many vets would write a hard-hitting letter on your behalf, nor take aggravating calls from their vets. Then!!!! They stopped paying for a treatment without warning nor explanation. I paid for insurance coverage for 12 years and expected at the very least the coverage would remain the same – as what I had been paying for. NOPE. So they had covered cold laser treatments for almost a year. Then all of a sudden after I submit for a claim, they simply send a note saying they don’t cover cold laser treatment. I called them thinking it was a mistake. Nope no mistake, they just decided to stop covering her treatments. No notice, no letter explaining, no phone calls – just stopped. I pleaded and appealed many times, saying I stayed with them for exactly this reason... for coverage of treatments I had paid forward for, for almost 12 years. I asked them to grandfather her treatment coverage saying she only had a few months to live and this treatment was really necessary otherwise I would have to put her down.
They were very kind on the phone (good customer service training) but in the end they simply didn’t care. Their slogan, “we got your pet” didn’t seem to matter to an old dog who needed treatment I had paid for, for 12 years. I paid over 10,000 dollars to them and was a long term client. It didn’t matter. I wished I had, as another reviewer suggested, just out 100 bucks in a bank account every month. If I had done that I would have had 14,000 in the bank to pay for whatever treatment I deemed necessary. At least I wouldn’t have cried and pleaded to no avail. I would have been ahead both financially and emotionally. So, no, they don’t have your pets best interest. They simply don’t care. Not worth it. My vet has stopped recommending them. What more can I say? DO NOT USE THEM.
I can’t thank trupanion enough for all the help support they have given for sophi, they are an incredible pet insurance and the only one I would ever refer to a friend client or family
The best coverage available.
The best hassle free claims process. They look after all the details directly with the vet while you need to be concerned about the welfare of your pet.
Great job 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
