Selecting the Right Deductible - The Trupanion Blog
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Selecting the Right Deductible

Trupanion takes its insurance options seriously because we know how important it is to keep pets safe and secure. Comprehensiveness and affordability is how we operate. Based on the age and breed of your dog, as well as your financial outlook, Trupanion will help you figure out the best deductible for your plan.

Cost of a Deductible

The price varies for your deductible based on what is most cost-effective and reassuring for you. Deductibles are available starting at $0, as well as from $50 to $1,000 at $5 increments. We have deliberately crafted this flexibility in our deductible price range in order to take care of every customer’s unique set of circumstances. Moreover, you may change your deductible rate at any time you see fit.

Lifetime Deductible

Once you file a claim for a particular accident or condition (say, a broken leg or diabetes) the deductible only must be paid one time. So, rather than continue to get charged for repeat deductibles for the same issue, one $100 deductible (for example) would cover the broken leg from initial appointment all the way through recovery. From there forward, Trupanion will cover 90% of veterinary costs. Bear in mind that a separate deductible will be required if a new accident or condition occurs.

Paying Your Deductible

As previously mentioned, a deductible must only be paid once per incident or condition. When you file a claim through the vet, the bill will be given to you (say it is a total of $1,000) to take care of. The deductible is the amount of money you must pay before Trupanion steps in to cover 90% of the remaining costs.

Which Price is Right?

Every dog is different. Depending on whether they are in puppy-hood, middle-aged, or are late in their years, the best deductible for their plan will vary. With the aid of professional insight from your local veterinarian as well as Trupanion representatives, it would behoove you to determine the caliber of your pet’s health and what deductible best suits them and your financial circumstances. And remember, their deductible level can always be changed as time passes.

For clarifications, questions, or comments about Trupanion coverage, please give us a call 24/7 at 1-(800)-569-7913.


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