There's pet insurance —
then there's Trupanion
- No waiting around for reimbursement checks, because we pay your veterinarian directly
- One simple plan that covers all new and unexpected injuries and illnesses
- Never worrying about a canceled policy or increased rates just for filing claims
We encourage you to research other pet insurance companies
At Trupanion, we strive to be upfront and honest about what our plan provides. We are a team of pet lovers who work with cats and dogs by our side, and we want all pets to receive the best insurance coverage possible.
Unfortunately, we don't think that every pet insurance company has what it takes to protect your four-legged family members. We offer 90% coverage of eligible conditions*, no payout limits, vet direct pay, and one simple plan that always provides the best coverage, because we know it will help your pet when it matters most. We stand out in the pet insurance industry, because we do what it takes to offer peace of mind to loving pet owners.
Other providers offer
- Price can skyrocket year after year
- No coverage for the things most likely to happen to your pet — hereditary and congenital conditions
- Previously covered conditions may now be pre-existing
- Your rates may automatically increase just because your pet has a birthday
- There may be caps or limits on how much they can pay out in claims
- Coverage for hereditary and congenital conditions
- No caps or limits on the amount we pay out
- No automatic rate increases just because your pet celebrates a birthday
We love informed decisions. Check out our full policy for complete coverage details.
Trupanion provides more than traditional pet insurance
Our love for pets is the reason we offer insurance and why our policies are written with pets and pet owners in mind. We don't think that traditional pet insurance has what it takes to protect pets, so we differentiate ourselves by offering 'medical insurance for cats and dogs’ that puts pets first.
|Quick and easy to understand coverage|
|Covers all new injuries and illnesses after 5 day injury waiting period and 30 day illness waiting period||Some conditions are excluded from coverage or have year-long waiting periodsWhen researching, be sure to look out for extended waiting periods for issues related to knees, cruciates, ligaments, and/or hip dysplasia
|No out-of-pocket payments|
Can pay veterinary hospitals directly
|No automatic process to pay veterinarians directly|
|All pets get 90% coverage with no payout limits for new issues, regardless of age||Can lower payout percentage or price options based on pet’s age|
|All pets get 90% coverage with no payout limits regardless of breed||In most states, they will automatically increase rates because your pet gets older|
|Automatic price increases|
|Prices for the life of your pet, so you don't get automatic rate increases each year||Provides a seemingly low price your first year, then can automatically hike up prices every year based on pre-determined formula|
|Coverage for ongoing illnesses|
|Lifetime per condition deductible, so you aren't paying for the same condition year after year||Yearly deductibles means you repeatedly pay for the same covered conditionsChronic issues like allergies, diabetes or glaucoma can occur year after year, which means more annual vet bills|
|Hundreds of deductible options means you can choose a specific price that works for you||Limits to just a few deductible options, or you can only change your price by lowering your payout percentage|
We love informed decisions. See our policy for full coverage details.
TRADITIONAL PET INSURANCE IS:
Waiting to get reimbursed for a claim and having to pay the whole portion of your bill upfront.
Sacrificing quality care for a cheaper monthly rate.
Claim payouts restricted by insurance company defined rates, and payouts not based on your actual bill.
Annual deductibles that keep you paying for the same condition over and over.
Waiting and worrying about getting in touch with your insurance provider when you need them.
Dropped coverage for filing too many claims or for asking for too high of a reimbursement amount.
BUT TRUPANION MEDICAL INSURANCE IS:
Having your vet paid directly whenever possible so you aren't waiting around for reimbursement checks.
One simple plan that provides quality coverage when your pet needs it most.
Claims paid based on the actual cost of veterinary care, not what we think treatment should cost.
A condition based, lifetime deductible that you only pay once per issue and all its complications.
24/7 support from our award-winning customer care team.
Never worrying about a canceled policy or increased rates just for filing claims.
Comparing pet health insurance and tuna
Pet health insurance should be more than just fancy packaging. Trupanion CEO and founder, Darryl Rawlings takes a deeper look into what a pet health insurance comparison may look like using an example of your cat’s favorite food - tuna.
Our policyholders notice the difference
“I have tried many other pet insurance companies only to be disappointed. But that all changed after joining Trupanion. Trupanion is the only company I recommend. I am overjoyed to help other families skip the trial and error method of looking for the right pet insurance.” - Shannon C.
“I have fought with numerous other insurance companies, but I never once had to fight with Trupanion. Don't take chances with unreliable companies. Trupanion was not only the best choice, it was the greatest choice we ever made."” - Rebecca N.
See for yourself how we stack up to other pet insurance companies
Questions? Give our pet-loving customer care team a call at 855.591.3100.
*Product details vary in Florida. If you're a resident of Florida, you can learn about your pet details here.
These comparisons are based on written documentation from each of the above companies’ public-facing websites and Policy Wordings as of May 18, 2020. Coverage options are interpreted by American Pet Insurance Company as being comparable, and American Pet Insurance Company recognizes that alternate policies, coverages, deductible levels, and coinsurance levels may be available from these providers for different premium costs.
Providers and underwriters as follows: ASPCA underwritten by United States Fire Insurance Company | Embrace underwritten by American Modern Insurance Group | Figo underwritten by Markel American Insurance Company or Independence American Insurance Company | Healthy Paws underwritten by Indemnity Insurance Company of North America; ACE American Insurance Company; Ace Property & Casualty Insurance Company; Westchester Fire Insurance Company; or Atlantic Employers Insurance Company | Petplan underwritten by XL Specialty Insurance Company | Pets Best underwritten by Independence American Insurance Company or American Pet Insurance Company | Nationwide underwritten by National Casualty Company or Veterinary Pet Insurance Company (CA only) | Pumpkin underwritten by United States Fire Insurance Company
Our team can talk through how Trupanion’s unique coverage can work for your pet. Call today:
If you want more detail about specific provider differences, we recommend you check out these resources:
- Trupanion vs VPI/Nationwide
- Trupanion vs Healthy Paws
- Trupanion vs Petplan
- Trupanion vs Embrace
- Trupanion vs Pumpkin
If you still don’t know who to enroll your pet with, we recommend these next steps:
- Ask your veterinarian who they recommend.
- Ask other providers how their coverage compares.
- Ask our Trupanion team for information specific to your pet.
We’re here 24/7 to help walk you through our coverage, and we’ll never pressure you to buy if you’re not ready: 888.733.2631.
Or, start online by getting a quote:
Convinced that Trupanion's pet medical insurance is what's best for your pet?