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.
While we have been fortunate to not need turpanion that much yet the experiences we have have been great!
While we have been fortunate to not need turpanion that much yet the experiences we have have been great! Only issue I have a may lead me to leave turpanion is that they do not cover any portion of the gastroplexy surgery. I realize it is a preventive surgery but considering there is a small number of breeds that need it and it literally can make the difference between life and death in the future, why not even cover part of it? Sadly I am looking at other companies as the survival rate is not high with out the surgery.
3
out of 5
POSTED:
| BY: Michelle Taylor
We were calling regarding a possible poison eaten and the individual seemed confused on how to answer.
We were calling regarding a possible poison eaten and the individual seemed confused on how to answer. It took him a few minutes to figure out Vet and or poision number.
5
out of 5
POSTED:
| BY: Rosanne Callahan
I.
I. Spoke with Jennifer. She is a caring compassionate person!
1
out of 5
POSTED:
| BY: Mikw
Worst company ever
We have now had 3 claims with Trupanion and in each case they have found a way to deny the claims. Spending $3000/yeah for what we see as a waste of money.
It appears they will try every approach to get out of paying and will only pay when every option to deny is exhausted.
Waste of money
5
out of 5
POSTED:
| BY: Christa Kumar
Indy's story
Indy's story
Indy is a black -tri miniature Australian Shepherd ,who joined our family at the tender age of eight weeks in the fall of 2012 .Considering the young age of one of the family and the horrible dog experience of another ,we agreed on a puppy of a medium sized breed.
I decided to buy pet insurance . I dreaded the idea of ever having to give up my dog ,because I could not afford to help him ,when help was available. (There was this hapless Lab who swallowed a ball...twice .Cost of removal $ 6000 ) Looking at insurance companies ,I found Trupanion . Trupanion allowed me to set my 'deductible' ,which determined my
monthly premium .So I found a balance I could afford .
Indy grew up beautifully - lovely , lively , healthy ,and loved by the whole family .
In spring 2016 Indy started to pick at his food ,sometimes refusing to eat . At first the vet ,like members of my family , thought Indy simply wanted better food - my food. The vet realized I was honestly worried ,and we decided on blood tests which presented us with sky high liver enzymes, on a dog who appeared healthy ,just a little picky. We brought Trupanion into the picture . Liver supportive treatment made no difference ,and soon there was talk about a liver biopsy...It took me a while to see my way clear to consent ;eventually there was nothing else left. The biopsy was done ,and since I had long passed my deductible, Trupanion paid 90 % of the biopsy as they had done for blood tests and medication. The biopsy result was a shocker - a type of hepatitis involving a copper storage component, that would most likely become chronic. And when recovered from the biopsy ( thank you ,wonderful surgeon) Indy still seemed perfectly healthy. Now he became a patient of a lovely internist vet ,who dealt with the overload of copper first -enzymes came down 50 % .Medical treatment went on ,expensive medication and monthly blood tests continued. Prednisone had been added -enzymes came down to normal values .Now ,more than a year later, we are still working on the smallest effective dose of prednisone. Indy is on a diet for dogs with liver impairment ,appetite is more than great (prednisone).His internist is pleased with Indy's response to treatment. He does not often see this kind of problem before obvious clinical symptoms
For all this time Trupanion has paid 90% of every test and all the expensive medication ,and this will go on for the foreseeable future.Service is friendly and swift.
I take care of the endless 'consultations' and Indy's fancy food.
Trupanion is truly my partner in allowing Indy's happy life.I don't even want to think ,what I would do without them.By the way - we are in Ontario, Canada
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
