How does dog insurance work? - The Trupanion Blog
Underwritten by American Pet Insurance Company

How does dog insurance work?

Now that we’ve put what dog insurance is,what dog insurance covers, and doesn’t cover behind us, let me tell you more about how it works. As a recap, dog insurance is to cover your pet’s medical expenses if they get sick or are injured. You typically have to pay your veterinarian up front, and then submit a claim for reimbursement.

Many companies may place limitations on how much can get paid out and when. For example, a company may say that on a single incident, there is a cap as to how much can get paid out (even if it’s less than your veterinary bill).

With Trupanion, we’ve tried to keep things as simple as possible. If your dog were to get sick or injured, the Trupanion dog insurance plan would pay out 90% of the veterinary bill for covered items over the life of the pet. You would pay your veterinary bill up front, and submit your claim to Trupanion for reimbursement. We will even work with pet owners on special cases to pre-approve coverage for large surgeries or expensive treatments. That way, you won’t have to sit on your thumbs hoping that your claim will be approved.

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