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 experience with Trupanion has been amazing. My beloved 2-year old black lab, Ruger, was admitted to the hospital with pneumonia. After further exam, the vet found a large mass in his abdominal cavity. Ruger needed immediate surgery, which lasted 2.5 hrs. The vet found 3 different fox tails that had made their way through Ruger's esophagus and into his abdominal cavity. He also had part of a lung removed. Fox tails are HORRIBLE!!! And, with a hunting dog, how do you avoid them?? 3 weeks after surgery Ruger started to have complications, and 5 weeks from surgery there was nothing more that the vets at our hospital could do for him. We had to say goodbye to Ruger. I want to thak Trupanion for giving Ruger that extra month to be with us and to give him a fighting chance. Otherwise, we would never have been able to afford the hospital bills,, which, by the way, have totaled over $15,000!! Thank you Trupanion for all you did. And, we now have a new black lab make puppy that is Ruger's brother, and yes, he too will be insured by Trupanion!
5
out of 5
POSTED:
| BY: Alan
Couldn't Ask For Any Better
We had two claims for our dog. Both were addressed, processed and completed within a week we had the check in our mailbox. These people are EXEMPLARY. My personal health insurance people could learn much from Trupanion
5
out of 5
POSTED:
| BY: Elsa
Trupanion, a good insurance option
Our pet has been insured with Trupanion since we moved to the USA 6 months ago. We did some research and decided that it was a good option. Today we know that it was the best option because we received an excellent service after our Yorki swallowed something and got intoxicated.After submitting the claims, we started receiving e-Mail confirmations
with the status and they contacted directly our vet to get the medical records.
We received the reimbursment in lees than two weeks.
I received my reimbursment checo in less than two weeks.
1
out of 5
POSTED:
| BY: Teri
Is Pet Insurance Worth It?
I signed up for Trupanion when I purchased my Cavalier at 3 mos. I did my research and Trupanion seemed like you got the best coverage for the best rate. Woops! Fortunately, I had no claims during the first year. Trupanion states in all their literature that their rates only go up based on Vet care in your area and breed. Nothing about increases approved by the state insurance commissioner or their profit and loss. After one year my rate went from $34 a month to $66. You can read all the reviews with their spokesperson's responses and it's the same mantra. It appears that they have now changed their policy and increases will be a regular occurrence based on additional criteria they are now implementing. I then began my search for a new company. VPI had a list of exclusions pages and pages long. Forget them. Others have increases as your pet ages, and some were even more than my newly adjusted premium. Reviews of various companies address claims concerns. Some claim denials seemed reasonable, but a good portion seemed unreasonable, i.e. your vet didn't provide as detailed documentation and now the insured is out of luck.
Bottom line, unless you're the unlucky pet owner that spends a great deal of time at the vet, put your high monthly premium in the bank. For me over the course of 14 years, barring any further outrageous increases from Trupanion, I will have banked $11,088, not including that tiny bit of interest you earn at the bank today. In addition, you
5
out of 5
POSTED:
| BY: SANDE
INITAL iNSURANCE COVERAGE
I RESPECT THIS COMPANY!I PURCHASED A PUPPY (MORKIE) THAT DIED WITHIN 10 DAYS. I SUBMITTED MY CLAIM DURING THE FREE TRIAL PERIOD AND THE COMPANY HONORED THE POLICY, EVEN THOUGH I HAD NOT PAID FOR COVERAGE. THIS WAS DURING THE TRIAL PERIOD.THANK YOU TRUPANION. YOU ARE AN HONORABLE COMPANY THAT PROVIDES EXCELLENT CUSTOMER SERVICE. THIS WAS A VERY SAD TIME FOR ME AND MY FAMILY. YOU LESSENED THE FINANCIAL BURDEN THAT CAME WITH OUR PUPPIES DEATH. MY NEW PET WILL BE COVERED BY TRUPANION INSURANCE.
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
