We’ve never understood why someone would want insurance that stops paying if you use it. Whether your pet needs one visit or a lifetime of care for chronic conditions, we’ll keep paying for covered expenses.
We don’t punish unlucky pets.
“The everyday incidents that can happen are all covered by Trupanion in the same personal and efficient manner. We recommend Trupanion to everyone. Their caring approach along with a choice of premiums and the insurance coverage has made us very happy customers.” Cassie
“A big thank you to Trupanion for looking after Willow. We appreciate it more than we can say.” Kate
Auri and Beans
REIMBURSED: $43,707 CAD
and $4280 AUD
Calgary (CA) and Sydney NSW
Condition: Digestive Issues and allergies
“Clarity of coverage, great coverage options (in Australia there’s really nothing that even comes close) and complete ease and support in the claims process. We’ve never had any problems, and for some reason with Beans our premium didn’t go through the roof, even though I was waiting for it and it would have been completely understandable!” Loren
Not all pet insurance payouts are created equal
When insurance companies talk about “payout limits,” they’re referring to the maximum amount of money they are willing to pay you. These limits usually come in one of three forms:
With limited payouts, you’re betting that your pet will never experience a condition that will cost more than your pet insurance company will pay out.
When doing your research, don’t limit your options
In researching your pet insurance plans, be sure you choose a provider that doesn’t limit your options.
Unlimited payouts for every pet. No sub limits.
Annual limits starting at $12,000 with sub limits as low as $2,500
Conditions are covered for 12 months, then that condition is excluded
Annual limits starting at $5,000
Annual limits starting at $11,000
MoneySmart Australia estimates the total cost of owning a cat or dog to be between $3,000 and $6,000 just in the first year of its life. On top of this, you’ll need to pay for vet bills if your pet gets sick or injured.
Many pet insurance companies offer unlimited plans with “optional” payout limits. Adding payout limits can lower your monthly cost in the short term, but may leave you unprotected from expensive surprise veterinary bills in the future.
Only you know your budget well enough to decide if you’d rather pay a few dollars less each month, or if you would rather have unlimited payouts on expensive injuries and illnesses in the future.
We don’t see the value in a policy that might not pay when you need it most, so our cover applies for the life of your pet, per-condition. Once it’s covered, it’s covered.
Take cost out of the care equation.
We love informed decisions. See our policy for full coverage details.