Pet Insurance Providers Coverage Comparison
This comparison chart provides a quick glance of the benefits for each of the below providers*.
Click here to view a larger version of the comparison chart.
|TRUPANION||Embrace||PetFirst||Petplan||PurinaCare||VPI||Healthy Paws||24Pet Watch||Pets Best||ASPCA|
|Provides 90% coverage for treatments of injuries & illnesses||Depends upon the specific plan||Depends upon the specific plan||Depends upon the specific plan||Depends upon the specific plan||Depends upon where you live|
|Has no financial limits: Per year, per illness or per pet|
|Covers approved surgeries, diagnostic tests, medications & hospital stays||Depends upon the specific plan|
|Covers therapeutic pet foods & dietary supplements|
|Pays customer based on actual veterinarian bill – NOT on pre-determined benefits schedule|
|Freedom to use any veterinarian at any hospital of your choice|
|Allows customers to choose their own deductible amount
(including a $0 deductible)
These comparisons are based on written documentation from each of the above companies’ public-facing websites and Policy Wordings as of January 2, 2013, as well as a series of provider-specific phone interviews and internal research conducted from January 7-16, 2013. 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 co-insurance levels may be available from these providers for different premium costs.
* ASPCA underwritten by United States Fire Insurance Company
Embrace underwritten by RLI Insurance
Healthy Paws underwritten by ACE Group or Markel Corporation
PetFirst underwritten by American Alternative Insurance Corporation (a subsidiary of Munich Re)
Petplan underwritten by AGCS Marine Insurance Company
Pets Best underwritten by Aetna Insurance company of Connecticut
PurinaCare underwritten by Central States Indemnity Co. of Omaha
DVM Insurance Agency (VPI) underwritten by National Casualty Company
24PetWatch underwritten by Praetorian Insurance Company
If you have any questions for us, or need help understanding anything relating to coverage for your pet, please call Trupanion’s pet-loving customer care team at 800.569.7913. We love talking about pets!