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.
Trupanion was always there for my Do right to his last days! Thank you Trupanion for allowing me to afford the medical attention my DJ required through the years!
No due Diligence, even scammier than human insurance
As a previous dog owner, this was my first experience getting pet insurance. In the past when unexpected things happened I just used savings to cover costs, I thought this time around for my new rescue dog I would spend something monthly to ease my savings being nicked later. But now I feel like a fool for giving them any money and realize I should have stayed away from this insurance. They do not do any diligence in analyzing claims and if you want to spend your time and your vet's precious time (noting at least in Canada we have a vet crisis and is ludicrous to ask this) to argue with them go ahead.
My dog had puppy vaginitis when first examined. This was treated with some probiotics and all cleared, which was confirmed during medical exam when my dog returned to receive some vaccines that she had missing. Fast track three months later, she is about to get spayed and a blood test shows there is some internal infection, a urine test point to a potential UTI. So claim is placed, less than 24 hours later denied because of "pre-existing condition." First, it says they review medical records and work with vet office, if they truly did this and actually worked with vet offices as they say they do, they would know this is something new (literally a history of visits). Second, when travelling abroad I've had medical insurance, I have NEVER been denied for an infection that came up during the trip. I don't feel like I need to explain why infections and diseases differ, and why insurance for humans does cover infections, to an insurance company even if this one covers dogs. So this led me to reason why on earth am I spending my money and time to have to argue this? They said in order to appeal decision my vet, again who is wonderful but I know highly overworked and busy needs to step away from his duties to call them and advocate for this to be covered. Shame on you trupanion for even asking this during times like this (a quick google search points to crisis we have in Canada for vet care and their wellness)! I am not even going to get a lot back from the claim they denied probably a few bucks, but it is so telling of the type of battle I know I will have to face later so I am happy to cancel and say I'm good. It is scammy that they overpromise their actual connection/work with vets offices, and that they are is easy to work with. I rather keep my sanity and money and save what I was paying out to them, or go with another insurance. I regret not reading the reviews earlier but I guess that's on me.
ONE ADDITIONAL NOTE IF YOU ARE CANADIAN: when I first discussed insurance rates and pay, the trupanion person sent me a table for us to review together with prices. BEWARE that prices are listed in USD, I realized when the money came out of my account that it was not the Canadian rate that he had shown me, so I am paying more than I budgeted, but I left as is because it was few extra dollars. Again this just goes to show lack of professionalism and actual dedication to Canadian clients.
Trupanion team please do not bother answering and asking for me to follow up with you. I did. I have spent precious time doing this, I voiced these concerns to you and all you do is more sales tactic where you list everything under the sun that could go wrong so I shouldn't walk away. Yes we are all at death's door every second we breathe. What I would recommend is that you actually do a review of what you promise and work to acknowledge when you do something wrong. I've also contacted the rescue that referred me to you, and they said unfortunately they've heard similar stories of other adopters. So do better, yes you're a corporation out for money but at least be an honest one about what you can and cannot do. I'm a happy canceller and already looking for better alternatives including just investing that money elsewhere it can grow and when I need to use it, I won't have lame excuses.
NEW EDIT: To add response to the below, it was a NEW infection (you can goggle and figure out that there are differences between the organisms that cause vaginitis and urinary tract infections, thus new infection). But according to you, this needs my vet's time to be explained. Again shameful given current crises in accessing vet care. But in any case, infections are infections they can reoccur and are not pre-existing, this is akin (I am stealing from another reviewer) to say you had the flu once and human insurance won't cover you ever again because you had the flu once before. It is an infection. It is treated, it is cleared, and life moves on. Your insurance company really does its work to deny something simple so can't imagine something more complex. Leaving a review for others to heath the warning to avoid you, I should have followed the advice of others. I didn't.
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
