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Claim paid $753.80 on 5/19/2012 for Poubelle!, Cat age 4 Domestic Shorthair from Vancouver, British Columbia | Claim paid $2,060.82 on 5/19/2012 for Nala, Dog age 1 Great Dane from Farmingville, New York | Claim paid $1,811.20 on 5/19/2012 for Chandler, Dog age 1 French Bulldog from Arlington, Virginia | Claim paid $614.94 on 5/19/2012 for Cosmo, Dog age <1 Pomeranian from West Sacramento, California | Claim paid $2,522.97 on 5/19/2012 for Lexi, Dog age 5 Mixed Breed from Calgary, Alberta | Claim paid $594.47 on 5/19/2012 for Isabella, Dog age 6 Bernese Mountain Dog from Toronto, Ontario | Claim paid $1,096.16 on 5/19/2012 for Isabella, Dog age 6 Bernese Mountain Dog from Toronto, Ontario | Claim paid $1,743.73 on 5/19/2012 for Emma, Dog age 12 Boston Terrier from Eagleville, Pennsylvania | Claim paid $1,526.57 on 5/19/2012 for mocha, Dog age 9 Maltese from Vancouver, British Columbia | Claim paid $1,914.69 on 5/19/2012 for Legend, Dog age 4 Golden Retriever from Calgary, Alberta | Claim paid $1,004.40 on 5/18/2012 for Perseus, Dog age 10 Parson Russell Terrier from Port Coquitlam, British Columbia | Claim paid $2,048.17 on 5/18/2012 for Belle, Dog age 1 Golden Retriever from Ashburn, Virginia | Claim paid $647.17 on 5/18/2012 for Gunther, Dog age 1 Bulldog from Calgary, Alberta | Claim paid $631.47 on 5/18/2012 for Kitty, Cat age 15 Domestic Shorthair from Calgary, Alberta | Claim paid $2,149.07 on 5/18/2012 for Busta, Dog age <1 Olde English Bulldog from Warwick, Rhode Island | Claim paid $1,672.58 on 5/18/2012 for Pemberley, Dog age 1 Maltese from Madison, Alabama | Claim paid $662.15 on 5/18/2012 for Sasha, Dog age 7 Chesapeake Bay Retriever from Fort Mcmurray, Alberta | Claim paid $2,963.75 on 5/18/2012 for Kao, Dog age 2 Mixed Breed from Redmond, Washington | Claim paid $5,317.91 on 5/18/2012 for Brie, Dog age 1 Cavalier King Charles Spaniel from York, Ontario | Claim paid $1,257.62 on 5/18/2012 for Brie, Dog age 1 Cavalier King Charles Spaniel from York, Ontario |
 

Pet Insurance Comparison with ASPCA

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Common Policy Questions Trupanion ASPCA
Underwritten by United States Fire Insurance Company

Question:

Plan compared:
Based on Yorkshire Terrier Dog and Domestic Shorthair Cat, under 1 year old in Seattle, Washington 98107.
Featured plan is based on the example above; actual coverage availability may vary based on pet breed, age, and location. Does not include sign up or administration fees.

Trupanion:

*Based on breed and age examples to the left.

Trupanion Plan 90% coverage, no payout limits ($100 deductible selected)

ASPCA:

*Based on breed and age examples to the left.

80% coverage, $100 deductible (Selected plan: Level 3 - $2,500 per incident limit, $13,000 annual limit, with chronic condition coverage)

Question:

What is covered
if my pet is sick or injured?

Trupanion:

All diagnostic tests, surgeries, medications, treatment, hospitalization, supplements, therapeutic pet foods1,2, and orthotic devices2 for accidents and illnesses (including those for hereditary and congenital disorders).
1We cover ½ the cost of the food to assist in the care of your pet; A discount on your premium after 2 months of coverage
2Subject to regulatory approval in your area.

ASPCA:

Diagnostic tests, surgeries, and treatment for accidents and illnesses.

Question:

How is reimbursement calculated?

Trupanion:

90% of actual veterinary bill for costs arising from injury or illness, less the veterinary exam fee and deductible, if selected.

ASPCA:

80% of reasonable costs* arising from injury or illness, after the annual deductible is met, up to per incident limit and annual limit.

*The customary fee charged for a given treatment or procedure with the geographic area in which the fee is incurred.

90% coverage available in some areas.

Question:

What are the
policy payout limits?

Trupanion:

No payout limit over the life of your pet, with no limits per year, claim, illness, procedure, or condition.

ASPCA:

Per incident limit of $2,500. Per incident limit options of $3,000, $5,000, or $7,000 available in some areas.
Annual limit of $8,000, or $13,000, depending on plan choice.

Question:

What are my deductible options?

Trupanion:

You have the option to select a lifetime per-incident deductible of $0 or any deductible amount from $50 to $1000 in increments of $5.

ASPCA:

$100 annual deductible. $250 and $500 annual deductibles available in some areas.

Question:

Are hereditary and congenital conditions covered?

Trupanion:

Yes.

ASPCA:

Not standard. Coverage available in some areas on select plans with per incident limits of $500 or $1,000 and lifetime limits of $1,250 or $2,500.

Question:

Is alternative therapy coverage available?

Trupanion:

Yes with Optional Benefits* package for an additional cost.
*Subject to regulatory approval in your area.

ASPCA:

Not standard. Coverage available in some areas on select plans with annual limit of $150 or $300.

Question:

Are prescription medications covered?

Trupanion:

Yes.

ASPCA:

Yes.

Question:

Are prescription diets and supplements covered?

Trupanion:

Yes* when prescribed to treat injuries and illnesses covered by this policy. We cover ½ of the cost of food to assist in the care of your pet, then we provide a discount on your premium after 2 months of coverage.
*Subject to regulatory approval in your area.

ASPCA:

No.

Question:

What are some important exclusions I should be aware of?

Trupanion:

  1. Pre-existing conditions
  2. Hip dysplasia - optional coverage for dogs and cats*
*Subject to regulatory approval in your area.

ASPCA:

  1. Pre-existing conditions
  2. Any congenital disorder
  3. Any hereditary condition
  4. Pre-existing and recurring illness* or injury prior to the effective date, unless 180 days have passed since cure and last treatment
    For Example: If your pet got cancer or arthritis in year 1, they would not be covered in year 2 unless you purchased the Enduring Care Plan, which covers recurring and ongoing illnesses.
    *Unless you have purchased a plan that includes Ongoing Conditions which gives $500 - $2,500 per incident coverage and a $1,500 - $6,000 lifetime limit for recurring illnesses with a separate $100 annual deductible.
  5. Diagnosis, treatment or surgery related to Anterior Cruciate Ligament (ACL) or Cranial Cruciate Ligament (CCL) damage that occurs or is symptomatic within 12 months of the effective date of certificate.
  6. Multiple incidents (more than one) of foreign object ingestion in a 12 month period.

Question:

Is coverage reduced for emergency and veterinary specialists?

Trupanion:

No.

ASPCA:

No.
Claim Examples Trupanion ASPCA
Underwritten by United States Fire Insurance Company

Claim example 1:

Foreign body ingestion - $3,980.98

Trupanion:

Amount covered: $3,285.88

Remaining benefits: Unlimited

ASPCA:

Amount covered: $2,500

Remaining benefits: $0 for foreign body incidents for the year; $10,500 for other conditions for the rest of the year.

Claim example 2:

Retinal detachment - $4,351.00

Trupanion:

Amount covered: $3,825.90

Remaining benefits: Unlimited

ASPCA:

Amount covered: $2,500

Remaining benefits: $8000 for the year (when previous incidents are included).

Claim example 3:

Torn cruciate ligament within the first year of enrolling - $6,242.89

Trupanion:

Amount covered: $5,528.60

Remaining benefits: Unlimited

ASPCA:

Amount covered: $0*
*Cruciate ligament injuries are not covered within the first 12 months of enrolling. After first year, up to $2,500 would be covered.

Remaining benefits: $8000 for the year (when previous incidents are included).
Owner Testimonials
"My dog Kane loves Trupanion and so do I! Thank you for being such a wonderful company to deal with. You keep your promises, you honor your commitments and all your employees are a pleasure to interact with! " Read more

Pet Insurance Comparison Charts Disclosure

The description of ASPCA's policy, underwritten by United States Fire Insurance Company was not furnished by American Pet Insurance Company. If there are questions regarding the illustration, please contact an agent of ASPCA. All quotes compared are based on policies with similar deductibles, coverage, and coinsurance for a Yorkshire Terrier Dog under 1 year old and a Domestic Short Hair Cat under 1 year old living in Seattle, WA 98107. Premium prices were obtained by website quotes and may vary by breed, age, location, and other factors. Featured 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 companies for different premium costs. Featured plan details represent comparable policy differences as gathered from information on the company's website and policy, if available. For the most current premium prices and policy details, please contact the company directly by visiting their website at http://www.aspcapetinsurance.com/ or by calling 1-866-861-9092.

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