Trupanion

Why Choose Trupanion?

We offer the most complete pet health insurance coverage for unexpected illnesses and accidents. If your pet becomes sick or injured we will pay for all diagnostic tests, surgeries, and medications up to $20,000, including coverage for hereditary and congenital disorders.

Hereditary and congenital disorders are conditions present at birth (whether or not they show symptoms or signs) that may cause serious medical problems over the lifetime of the pet resulting in very expensive treatment. Most pet insurance providers exclude or severely limit coverage for hereditary and congenital disorders, leaving the pet owner to foot a lofty veterinary bill. Trupanion pet insurance covers all essential conditions so that you can spend more time taking care of your pet.

Although hereditary and congenital disorders are present at birth, Trupanion does not automatically exclude them as pre-existing, unlike some competitors. We only consider a condition as pre-existing if the clinical symptoms were present before your pet was enrolled or during the waiting period. Because we encourage you to enroll pets under a year old before clinical symptoms related to these conditions are usually present, we're able to cover more conditions as your dog or cat ages.

So, Trupanion covers all the big claims but what about routine care coverage? Trupanion pet health insurance does not cover expected veterinary costs (the ones that you can plan for) because we believe you should keep the dollars in your pocket rather than paying a pet insurance company to handle your check book. Dollar trading for routine veterinary visits would double monthly premiums without adding value. Instead, Trupanion offers an affordable and practical type of pet health insurance that covers major costs that you can't anticipate.

Trupanion pet health insurance covers 90% of the cost of every approved claim. Unlike other pet insurance providers, we do not impose incident or annual caps and we don't reduce your payout with complicated and restrictive fee guides. No hidden fine print. On every approved claim we pay 90% of your actual veterinary bill for costs arising from injury or illness, less the veterinary exam fee.

Let's use an example. Your new dog hasn't been himself lately. You bring him to the veterinarian and he's diagnosed with an illness commonly found in dogs between the ages of 1 and 3 (pneumonia). Due to his weak state, he requires several days in the emergency clinic. After a few weeks of medication, there is little improvement so lung surgery is performed.

As the bills continue to mount and surpass $7,000, you feel secure knowing that at least you have pet insurance. That is, until you are told by your veterinary technician in your clinic that many pet health insurance providers dramatically reduce their payout because of caps or restrictive fee guides. In fact, she quotes an example of one company with a maximum payout of $588 on pneumonia. You quickly call Trupanion to clarify your cat or dog insurance coverage and payout and are relieved to be reminded that Trupanion pet health insurance has no caps or restrictive fee guides. Therefore, Trupanion will pay for your current veterinary bills and will continue to pay 90% of all veterinary bills related to this condition.

No surprises, just total protection for your unlucky dog or cat by Trupanion pet insurance when you need it most.

Everything moves at the speed of light these days, so why shouldn't your claim? Trupanion believes that the pet insurance industry claims processing standard time of 3 to 6 weeks just doesn't cut it! We are committed to responding to claims promptly and that's why we vigilantly track our approval and processing time to ensure that we are the fastest claims processing pet insurance company in the market.

On initial claims, where medical histories are usually required, Trupanion pet health insurance approves and pays claims in less than 7 days. On repeat claims we move even faster, and in fact of our most recent 10,000 repeat claims submitted by our pet owners, 9 out of 10 claims were processed and paid in less than 24 hours.

Of course, there can always be extenuating circumstances. For example, delays in receiving medical records for your dog or cat from your veterinarian may add a few days to the process. If this happens, we'll let you know right away so that you are clear on the status of your claim and when you can expect to receive your payment.