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Trupanion offers a deductible that works for you

A deductible is the portion of the veterinary bill you're responsible for before the 90% coverage starts. Depending on your pet’s medical condition and your chosen deductible amount, deductibles can be paid all at once or chipped away at over time.

Deductibles can be difficult to understand, even in human health insurance. Our deductible was invented to help your pet and protect your wallet. We think it’s important for you to know exactly how you benefit from a Trupanion policy that features a lifetime per condition deductible that you can change when necessary.


icon-lifetime-conditions

A Trupanion policy is unique because we offer a lifetime per condition deductible. You pay a deductible only when your pet develops a new condition.

icon-purple-90

Once your deductible is paid, your policy begins paying out at 90%for anything related to that condition for the rest of your pet's life.*

icon-annual-deductible

Most pet insurance companies offer an annual deductible. However, we are against making owners pay multiple times for a condition that is diagnosed once.


Terms and conditions apply.  See the full policy for details


Per condition deductibles keep money in your wallet







Clear up any confusion about per condition deductibles


MYTH #1:

You'll pay more with per condition deductibles.

Trupanion invented the per condition deductible to help pet owners save money. You're not guaranteed to save more by having an annual deductible.

MYTH #2:

You pay a deductible every time you go to the vet.

Sometimes it takes more than one vet visit to meet a deductible. However, you don't have to pay a deductible every time you visit your veterinarian.

MYTH #3:

You have to meet your deductible every year.

Why pay every year for something your pet was diagnosed with once? Once you meet your deductible for one condition, you never have to pay it again.

MYTH #4:

Your coverage is limited because of the deductible you choose.

A Trupanion policy gives you one simple plan with top coverage, no matter if you have a high or low deductible amount.



Other companies have deductibles that make you pay more

With a lifetime per condition deductible, you pay your deductible only when your pet develops a new condition. Check out the graphic below to see the benefits of a per condition deductible compared to deductible options offered by traditional pet insurance companies.



roxy_deductibles

Meet Roxy

Roxy was adopted with a little wagging tail and a clean bill of health at about 10 weeks old.

  • At about a year old, Roxy got into the trash and swallowed a corn cob. Unfortunately, she needed surgery to remove it.

  • At about 4 years old, Roxy started chewing her paws and was diagnosed with allergies, which required regular treatments at the veterinarian.

  • At 10 years old, Roxy started to slow down. Her veterinarian diagnosed her with arthritis, a result of a long, active lifestyle.



Here's how the different deductible types apply for Roxy's conditions.

per condition deductibles provide better value

With Trupanion, you only need to meet the deductible three times for three separate conditions, no matter how many times Roxy needed to visit the vet for these conditions throughout her life. With an annual or annual per condition deductible you end up paying much more throughout Roxy's life.


How do I choose what deductible and premium will work for me?

With a Trupanion policy, you can always change your deductible to meet your financial needs and the needs of your pet. You can pick a deductible ranging from $0 to $1,000. The deductible amount you pick will alter your premium (monthly payments).You can even eliminate paying a deductible by choosing the $0 deductible option, the fastest and easiest way to start having eligible conditions covered at 90%.

Terms and conditions apply.  See the full policy for details


Lower deductibles mean:

  • Higher monthly premiums
  • You reach 90% coverage of eligible conditions sooner
  • You pay more now, but could save more later

Higher deductibles mean:

  • Lower monthly premiums
  • It may take longer to reach 90% coverage of eligible conditions
  • You save more now, but could pay more later


deductible-slider-example

Every pet is different. Depending on whether they are young, middle-aged, or getting their first gray hairs, the best deductible choice will vary. To find the best deductible to fit your circumstances, we recommend calling our pet-loving experts at Trupanion to walk you through the options. Deductible levels can always be changed as time passes.

We’re available 24/7 to help walk you through our policy. Call us at 855.591.3100.


Find the right deductible for your pet with a quick quote.


Trupanion offers a deductible that works for you

A deductible is the portion of the veterinary bill you're responsible for before the 90% coverage starts. Depending on your pet’s medical condition and your chosen deductible amount, deductibles can be paid all at once or chipped away at over time.

Deductibles can be difficult to understand, even in human health insurance. Our deductible was invented to help your pet and protect your wallet.


icon-lifetime-conditions

A Trupanion policy is unique because we offer a lifetime per condition deductible. You pay a deductible only when your pet develops a new condition.

icon-purple-90

Once your deductible is paid, your policy begins paying out at 90% for anything related to that condition for the rest of your pet's life.*

icon-annual-deductible

Most pet insurance companies offer an annual deductible. However, we're against making owners pay multiple times for a condition that is diagnosed once.


Terms and conditions apply.  See the full policy for details


Per condition deductibles keep money in your wallet







Clear up any confusion about per condition deductibles


MYTH #1:

You'll pay more with per condition deductibles.

Trupanion invented the per condition deductible to help pet owners save money. You're not guaranteed to save more by having an annual deductible.

MYTH #2:

You pay a deductible every time you go to the vet.

Sometimes it takes more than one vet visit to meet a deductible. However, you don't have to pay a deductible every time you visit your veterinarian.

MYTH #3:

You have to meet your deductible every year.

Why pay every year for something your pet was diagnosed with once? Once you meet your deductible for one condition, you never have to pay it again.

MYTH #4:

Your coverage is limited because of the deductible you choose.

A Trupanion policy gives you one simple plan with top coverage, no matter if you have a high or low deductible.



How do I choose what deductible and premium will work for me?

With a Trupanion policy, you can always change your deductible to meet your financial needs and the needs of your pet. You can pick a deductible ranging from $0 to $1,000. The deductible amount you pick will alter your premium (monthly payments).You can even eliminate paying a deductible by choosing the $0 deductible option, the fastest and easiest way to start having eligible conditions covered at 90%.

Terms and conditions apply.  See the full policy for details

Lower deductibles mean:
  • Higher monthly premiums
  • You reach 90% coverage of eligible conditions sooner
  • You pay more now, but could save more later

Higher deductibles mean:
  • Lower monthly premiums
  • It may take longer to reach 90% coverage of eligible conditions
  • You save more now, but could pay more later

Every pet is different. Depending on whether they are young, middle-aged, or getting their first gray hairs, the best deductible choice will vary. To find the best deductible to fit your circumstances, we recommend calling our pet-loving experts at Trupanion to walk you through the options. Deductible levels can always be changed as time passes.

We’re available 24/7 to help walk you through our policy. Call us at 855.591.3100.

Find the right deductible for your pet with a quick quote.





Trupanion offers a deductible that works for you

A deductible is the portion of the veterinary bill you're responsible for before the 90% coverage starts. Depending on your pet’s medical condition and your chosen deductible amount, deductibles can be paid all at once or chipped away at over time.

Deductibles can be difficult to understand, even in human health insurance. Our deductible was invented to help your pet and protect your wallet. We think it’s important for you to know exactly how you benefit from a Trupanion policy that features a lifetime per condition deductible that you can change when necessary.


icon-lifetime-conditions

A Trupanion policy is unique because we offer a lifetime per condition deductible. You pay a deductible only when your pet develops a new condition.

icon-purple-90

Once your deductible is paid, your policy begins paying out at 90% for anything related to that condition for the rest of your pet's life.

icon-annual-deductible

Most pet insurance companies offer an annual deductible. However, we're against making owners pay multiple times for a condition that is diagnosed once.


Terms and conditions apply.  See the full policy for details


Per condition deductibles keep money in your wallet







Clear up any confusion about per condition deductibles


MYTH #1:

You'll pay more with per condition deductibles.

Trupanion invented the per condition deductible to help pet owners save money. You're not guaranteed to save more by having an annual deductible.

MYTH #2:

You pay a deductible every time you go to the vet.

Sometimes it takes more than one vet visit to meet a deductible. However, you don't have to pay a deductible every time you visit your veterinarian.

MYTH #3:

You have to meet your deductible every year.

Why pay every year for something your pet was diagnosed with once? Once you meet your deductible for one condition, you never have to pay it again.

MYTH #4:

Your coverage is limited because of the deductible you choose.

A Trupanion policy gives you one simple plan with top coverage, no matter if you have a high or low deductible.



Other companies have deductibles that make you pay more

With a lifetime per condition deductible, you pay your deductible only when your pet develops a new condition. Check out the graphic below to see the benefits of a per condition deductible compared to deductible options offered by traditional pet insurance companies.



roxy_deductibles

Meet Roxy

Roxy was adopted with a little wagging tail and a clean bill of health at about 10 weeks old.

  • At about a year old, Roxy got into the trash and swallowed a corn cob. Unfortunately, she needed surgery to remove it.

  • At about 4 years old, Roxy started chewing her paws and was diagnosed with allergies, which required regular treatments at the veterinarian.

  • At 10 years old, Roxy started to slow down. Her veterinarian diagnosed her with arthritis, a result of a long, active lifestyle.



Here's how the different deductible types apply for Roxy's conditions.

per condition deductibles provide better value

With Trupanion, you only need to meet the deductible three times for three separate conditions, no matter how many times Roxy needed to visit the vet for these conditions throughout her life. With an annual or annual per condition deductible you end up paying much more throughout Roxy's life.


How do I choose what deductible and premium will work for me?

With a Trupanion policy, you can always change your deductible to meet your financial needs and the needs of your pet. You can pick a deductible ranging from $0 to $1,000. The deductible amount you pick will alter your premium (monthly payments).You can even eliminate paying a deductible by choosing the $0 deductible option, the fastest and easiest way to start having eligible conditions covered at 90%.

Terms and conditions apply.  See the full policy for details


Lower deductibles mean:

  • Higher monthly premiums
  • You reach 90% coverage of eligible conditions sooner
  • You pay more now, but could save more later

Higher deductibles mean:

  • Lower monthly premiums
  • It may take longer to reach 90% coverage of eligible conditions
  • You save more now, but could pay more later


deductible-slider-example

Every pet is different. Depending on whether they are young, middle-aged, or getting their first gray hairs, the best deductible choice will vary. To find the best deductible to fit your circumstances, we recommend calling our pet-loving experts at Trupanion to walk you through the options. Deductible levels can always be changed as time passes.

We’re available 24/7 to help walk you through our policy. Call us at 855.591.3100.


Find the right deductible for your pet with a quick quote.


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