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.
When we got our adopted papillon mix, we noticed that his walk looked like a lady walking in heels....his back feet always crossed over each other. We never thought much of it. Last fall, he seemed to be in increasing pain and we thought he had hurt his back, so we took him to the vet. They were VERY thorough. We were told that yes, his back was very sore and tender, but that it was due to the fact that he could not walk properly and would need surgery to correct the issue.They called it patella luxation, grade3 on both legs.Evidently, he was born like this and had most likely always been in some discomfort, but had been able to adapt up to this point. The vet also had x-rays taken to check for anything in the spine, such as calcification or degeneration that would indicate disc disease. They came back clean. Surgery was performed, he healed and was super. We were able to afford to insure him shortly after with Trupanion. Late this summer, he again showed pain, only this time in his head/neck/ upper shoulder area and we took him to the vet. Again, x-rays were taken and again, they came back with no indication of calcification or degeneration. However, this time, after checking movement range,etc. the vet said disc disease. Please note: this was in an area never bothered before. Trupanion denied our claim saying that because tenderness was noted in his back before his knee surgery (when he was not insured),and because the vet at that time looked at disc disease as a possibilit
5
out of 5
POSTED:
| BY: Karen Galat
Worth it!
I have had five dogs but this is the first time I have had pet insurance and it has turned out to be the best thing. We've had a few unforseen expenses and it's so nice to be able to have her get the best care without worrying about how to pay for it.
1
out of 5
POSTED:
| BY: Anonimous
Terrible Service and Rip Off
We got our pet insurance from trupanion for our two dogs. We have our pet insurance early this year (2011) and the only time we use our insurance is when both of our dog got ill. I sent them to the vet the first week I suspect they have kennel cough, so we don't have to pay too much for the vet bill although we have pet insurance. Right after they've been seen I mail the claim and the same week I received a notice from trupanion regarding about our claim being process.... (2months later) I call and ask to see how long it's going to take before we get our reimbursement.... they said they're waiting for the Vet to send the copy of the medical record. They called few times and left a message but they haven't recieve any feedback from our vet. which I doubt!... Our vet is easy to get a hold of and at one time we are out of town and needed the copy of our dogs medical record, they sent us right away... they mail and fax it to us to make sure we recieve the copy. After I hang up the phone with them, I call our vet and told them whats going on and what they told us is they never recieve a phone call nor notice from mail asking the copy of our pet's medical record. Called back trupanion and told them what happen on the phone. I ask them to double check the contact number and yah! they just figure our that they've been contacting the wrong place. I told trupanion, they have the copy of our vet bill and all the information they need regarding the information of our vet is just right th
5
out of 5
POSTED:
| BY: Ruthie
Claims are a Breeze, Payment is Fast
I spent literally weeks researching pet insurance companies and even made my own spreadsheet to help me compare them. I have an older dog, which was the 1st obsticle when I was looking for insurance. But Trupanion didn't think that was a problem! Not only was my dog insured at his age, but they have no pay-out limit: not per incident, not per year, not even per LIFE! They had an easy-to-use sliding scale on their web site which let me choose how much I wanted to pay each month and how much I wanted my deductible to be! Trupanion has turned out literally be a life-saver for me and my dog because he could have died without me being able to afford his surgeries, and I love my dog so much that it would have felt like I was dying if he had. My dog has had to have 2 surgeries to remove masses/lumps, unbelieveably he woke up deaf from one of the surgeries, he had had an eye problem, and now has a fracture, which he got while we were out of state on vacation, and it requires surgery. Trupanion has been so awesome that now all of the vets and specialst we have had to see recommend them!!!! I can not say enough good things about them. They have made it so easy for filing all my claims: there is someone to asnswer you calls 24-7!!,they are kind and so caring while I was crying so much, the claims were processed within a week or less, they will even fax the forms to you or your vet or email it to them, the form is so short and easy to complete, they email me with updates on my claims and
5
out of 5
POSTED:
| BY: Lisa Gaudet
Thanks to Trupanion, my lab is on the mend!
When I first heard of Pet Insurance, I had mixed feelings. It made sense to insure pets in the way we insure our other family members, but how necessary could it be? When we decided to add a chocolate lab to our family, we did our research and learned labs can get into all sorts of things in their first couple of years, and can have problems with their hips and cancer in later years. We decided to learn more about pet insurance and after carefully comparing plans, decided Trupanion was the right option for us. That was 7 months ago. Since then, Mugsy has swallowed a tube sock, had ear infections from swimming, and was coming up lame. After several visits and many xrays and tests (all covered at 90% minus the office visit fee), we found out he had a condition that causes the cartilidge in his elbows to calcify and chip away. The poor little guy needed surgery on BOTH elbows and it was going to cost over $4000. Without insurance, we'd have had to either let him live in pain, rehome him to a family who could afford his surgery, or put him down. Thanks to Trupanion, his surgery was not only covered at 90%, they pre-approved it and he was able to get in without us paying up front and waiting to be reimbursed! He's home, happy and healing, thanks to Trupanion. I recommend you to EVERYONE who has or is thinking about getting a pet! :)
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
