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.
I purchased my new Pomapoo Bentley from a breeder I located through NextDayPets.com. There was an advertisement and I link for a 30 day FREE trial of Trupanion pet insurance on site for when I got my new puppy. I have had a number of dogs and cats - a number of which have had MAJOR illnesses - and I had always wanted to look into pet insurance. This seemed like the perfect chance! I signed up easily over the phone, and - what do you know - within my first week of ownership, Bentley started vomitting for a full day. I rushed him to an emergency clinic at midnight, and then he was transferred to my regular vet in the morning. Luckily, it turns out that he must have just eaten something that upset his tummy, but it took a number of tests & intreveneous fluids to get us to that answer. My vets willingly filled out the claims forms & faxed them to Trupanion for me.Within the span of a week, I had gotten a notice of receipt of claim, claim processing, and claim completion!! What a pleasant suprise!! Needless to say, I have signed up to continue my coverage after the FREE trail ends!! What a wonderful value and priceless peace of mind for my new baby boy!
5
out of 5
POSTED:
| BY: Randy
Quick Claim Processing - High Integrity
After insuring two cats with Trupanion the past two years, only this month have we had an occasion to file claims.
So far, medical bills on my 14 year old cat have amounted to over $ 4,000 in the past two weeks.
I've read horror stories about OTHER insurers using all types of tricky maneuvers to avoid paying legitimate claims.
I was very pleased to receive notice yesterday that ALL my claims submitted to date with Trupanion have been authorized for payment without any fuss or argument.
They kept to their word and allowed all medical expenses except for a "Consulting Fee" when the oncologist conferred with the surgeon and the intial exam (which is a listed policy exclusion).
If the pending diagnosis turns out to be the FINAL diagnosis (one blood test is still pending) then then treatment for my sick cat may end up getting very expensive.
When I initiated my policy two years ago, Trupanion placed a $ 20,000 lifetime limit on each policy. Even though there was a minor rate increase, I am very pleased that Trupanion policies now care NO LIFETIME LIMITS. They have removed the payout limit entirely. Thank you for that Trupanion!!
I don't know if it's possible to fall in love with an insurance company, but after receiving the notice that Trupanion is keeping their word and will be paying the bulk of medical expenses to keep my pet alive, I am at the least "Starry Eyed" over Trupanion.
I will now be relieved of the financial burden of paying for treati
5
out of 5
POSTED:
| BY: Monika Hampel
EXCELLENT
I had other insurances for my animal, I really have to tell individuals that is one of the more quickly insurance reimbursement - individuals on the phone are professional and always understanding. Any questions one has is answered professionally and courtesy. VIP INSURANCE YOU CAN LEARN SOMETHING FROM THIS COMPANY.Thank you for working with me.
5
out of 5
POSTED:
| BY: Cindy
Ruger
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
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
