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Barks & Mewsings

The Trupanion blog

Trupanion Pays Over $2 Billion in Veterinary Invoices: Why it Matters

By: Trupanion Staff

Trupanion has paid out more than 2 billion dollars in claims

Trupanion has been a trusted provider of pet health insurance for over two decades. But accolades like the #1 pet insurance in America, as chosen by veterinarians, are one thing — the real proof is in hundreds of thousands of dogs and cats getting the care they need. On December 28, 2022, Trupanion officially surpassed $2 billion in paid veterinary invoices!

That’s a lot of dogs and cats getting life-improving (and in many cases, lifesaving) health treatments, not to mention a lot of families not having to make difficult decision regarding their pet’s veterinary care and personal finances.

Affording veterinary care: a pet owner challenge

While $2 billion is a large number in almost any circumstance, it’s massive in the world of veterinary care costs.

Like many pet health insurance providers, Trupanion only covers new, unpredictable conditions, which often result in steeper care costs compared to routine treatments. For example, preventative vaccines can cost between $15 and $30 a shot, while surgeries can cost over $1,000 and require hospitalization that can double the cost of the actual procedure. When a pet is diagnosed with a serious illness like cancer, bills can start hitting over $10,000.

The rising costs of veterinary care are due to a number of reasons, including steeper veterinary supply and medication prices. There’s also the fact that veterinary treatment and technology have advanced significantly over the years, with modern pets now having more options than ever to treat their illnesses and injuries.

But when pet parents are responsible for the entire cost of veterinary care themselves, affording the best treatments can be challenging if not impossible. This is where pet insurance providers like Trupanion can fill the gap.

“With our comprehensive coverage, unlimited payout, and the ability to pay veterinarians directly at checkout, Trupanion members can say ‘yes’ to the best treatment possible without worrying about the cost of care,” Margi Tooth, president of Trupanion, said in a statement.

Claims breakdown: What’s inside $2 billion paid veterinary bills?

Close up of a brown puppy receiving veterinary care at an exam.

In the past three years alone, Trupanion has paid out $6.7 million per week ($29 million a month) to veterinarians and pet parents. That said, the $2 billion milestone is even more significant when looking at the amount of pets helped and conditions that were treated by the time it was reached:

  • 730,213 individual pets whose veterinary care costs were covered
  • 8,594,086 veterinary visits across nearly 50,000 different hospitals
  • 821,175 claims closed in under a minute
  • Over $56 million paid in allergy invoices alone
  • Over $100 million paid in cruciate invoices alone
  • $81,000 in the single largest payout ever (aspiration pneumonia in an English bull dog in 2019)

These statistics were accurate as of the December milestone. Trupanion continues to cover pets every month. Over 1.5 million pets are enrolled with Trupanion, which signed up its first pet back in 2000.

Meet Oliver, the dog that reached the milestone

The $2 billion threshold was crossed on December 28, 2022 with the payment of a gastroenteritis veterinary invoice for Oliver, a 12-year-old miniature long haired dachshund. Oliver lives in Ontario, Canada, and the emergency veterinary hospital he was treated at was paid directly by Trupanion at the time of checkout.

“For Oliver, and all of the other dogs and cats out there, we will continue to work tirelessly 24/7, 365 to always be there when we’re needed for years to come, making budgeting for the unexpected cost of care possible for generations of pets and their pet parents,” Tooth said.

Trupanion: a leader in a growing industry

Less than 3% of pet owners have pet insurance in North America as of the end of 2022, but rising costs of veterinary care are causing those numbers to rise. According to the North American Pet Health Insurance Association (NAPHIA), pet insurance enrollments have grown by 20% or more over the past five years, and the industry as a whole is expected to be worth more than $10 billion by 2025.

Pet parents who have insurance use it well too—about 50% end up filing claims every single year. As of January 2023, however, Trupanion is the only provider that can pay veterinary invoices directly at checkout from a pet’s appointment.

Learn 10 questions to ask before buying pet insurance.

Why pet insurance is so important

A woman leans down to kiss her dog on a bed.

Pet parents want their best for their furry family members, but that can be a challenge when unexpected health conditions and the cost of veterinary care get in the way. When families can’t afford treatment, they often feel that the best choice is economic euthanasia, or putting their pet down so that they do not continue to suffer. Trupanion was founded with the goal of reducing this.

In other words, having a quality pet insurance plan in place can prevent the need to choose between finances and veterinary treatment that would improve or even extend a pet’s life.

“We are at our best when paying invoices on behalf of our members, and reaching $2 billion in paid claims is a milestone that no other provider has reached quicker than us,” Tooth said. “We look forward to helping even more pet parents budget for veterinary care if and when their pet becomes sick or injured.”

To learn more about Trupanion and how pet insurance can help protect the life of your own dog or cat, get a free quote today.

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We’re the official blog of Trupanion—chosen by veterinarians as the #1 pet insurance in America. Here you’ll find useful dog and cat care tips, interesting veterinary insights, and fun pet topics galore.

While you’re browsing our pet blog, please note that the views expressed here are those of the individual authors and do not necessarily reflect those of Trupanion. Our articles are reviewed by veterinarians for accuracy, but they are not a substitute for professional diagnosis and treatment. Always consult with your own pet’s veterinarian for advice.

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