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.
Our EmmyLou was diagnosed with a Mast Cell Tumor in March but following three surgeries, monthly follow-up visits, and ongoing chemotherapy, she is doing very well. With all the stress related to Emmy's condition, it has been comforting to know that Trupanion has been there for us. I am very pleased with the quick and frequently "same-day" response I receive each time I file a claim on Emmy's behalf. I couldn't ask for better service.
The only thing I would suggest is that maybe the Trupanion staff could in-service those handling health insurance for humans on how to improve their services. One can only hope!
5
out of 5
POSTED:
| BY: F Wilbur
Covered surgery
My dog needed expensive spinal surgery. Of course we said yes and hoped that insurance would cover the procedure. A few days later Trupanion said they would cover 90% after out deductible. As we help our dog to heal we are relieved that we also don't have to worry about his expensive care!
5
out of 5
POSTED:
| BY: Deb Hamilton
Awesome!
My 6-month old Pomeranian puppy, Cruiser, developed a severe underbite and "wry"mouth, where his lower jaw was actually moving to the side, which interfered with his ability to chew.. He would bite me very hard, no matter what I did to break him of the habit. My hands and arms were continually covered with bruises and scabs from where he bit me.
My vet consulted with a veterinary dental specialist in Canada, and the specialist recommended removing all of Cruiser's front teeth on either the top or bottom of his mouth, plus some retained baby teeth that had not dropped out of their own accord. After discussing with my vet, we decided it would be best to remove the front teeth from the upper jaw, so Cruiser's tongue would stay in his mouth.
Since Cruiser was going to be under anesthesia for the procedure, I elected to have him neutered and microchipped at the same time. The entire bill came to just over $1,000.
I submitted the bill to Trupanion. I knew from reading the policy that the neuter and microchipping would not be paid, and the claim would be subject to a deductible of $250 and 90% coinsurance. I purchased this insurance to pay for catastrophic illnesses for my dogs rather than the procedures that would be done on a routine basis.
I was notified by Trupanion three days later that the claim would be paid subject to the terms of the policy. I was amazed at how quickly Trupanion responded! After taking out the deductible and the ineligible items (the neuter and microchipping), Trupanion cut me a check for $414.38.
I am extremely happy as to how this claim was handled, and I'm so glad I bought this insurance for my dogs. Although I certainly could have paid the bill out-of-pocket, it was very nice to have a portion of the bill paid by Trupanion. It's nice to know for the future, Trupanion will be there to help with my veterinary costs. I don't want to have a medical decision for any of my dogs to come down to finances. It's great to know that I won't have to make a decision strictly on that basis.
I am now brushing Cruiser's teeth every day, and an added benefit to having the work done is that his biting has stopped. The vet and I figured that his mouth was hurting so bad that his reaction was to bite to help relieve the pain.
I highly recommend Trupanion!
5
out of 5
POSTED:
| BY: Keith Imlay
Trupanion is Excellent
We had surgery that was very expensive for our dog George. As George is like a family member to us, we were going to pay for this even if it meant a home vacation instead of going to the beach. The Trupanion claims were submitted and processed without any issues. They sent the 90% check prior to the credit card bill being due. We are so lucky that we purchased Trupanion and would recommend them to anyone who owns a pet that they love.
5
out of 5
POSTED:
| BY: Michele
Exemplary Customer Service
Excellent customer service! One of the best companies I have dealt with in a very long time. Payment is very quick. Thank you for helping us care for Blue.
Extremely happy client
Michele
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
