Trupanion vs. PetFirst

Common Policy Questions		PetFirst
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)	PetFirst: *Based on breed and age examples to the left. 90% coverage, $100 deductible (Selected plan: Preferred Plus $3,500 per incident limit, and $15,000 annual limit)
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.	PetFirst: All diagnostic tests, surgeries, and medications 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.	PetFirst: 90% of reasonable and customary veterinary costs arising from injury or illness, less a per incident deductible.
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.	PetFirst: Per incident limit of $1,500, $2,500, or $3,500, depending on plan choice. Annual limit of $7,500, $12,000, or $15,000, 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.	PetFirst: $100 per incident deductible.
Question: Are hereditary and congenital conditions covered?	Trupanion: Yes.	PetFirst: No unless optional coverage is purchased for an additional $20 or $50 per month.
Question: Is alternative therapy coverage available?	Trupanion: Yes with Optional Benefits* package for an additional cost. *Subject to regulatory approval in your area.	PetFirst: Yes.
Question: Are prescription medications covered?	Trupanion: Yes.	PetFirst: 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.	PetFirst: No.
Question: What are some important exclusions I should be aware of?	Trupanion: Pre-existing conditions Hip dysplasia - optional coverage for dogs and cats* *Subject to regulatory approval in your area.	PetFirst: Pre-existing conditions All congenital disorders - optional coverage up to 25% or 100%* All hereditary disorders - optional coverage up to 25% or 100%* Continuous coverage of chronic and long-term conditions that manifest in a previous policy year - optional coverage up to 25% or 100%* Diagnosis or treatment of any/all cruciate ligament damage or rupture Diagnosis or treatment of patellar luxation or hip dysplasia *Coverage for hereditary/congenital/chronic conditions is $20 per month per pet for 25% coverage and $50 per month per pet for 100% coverage.
Question: Is coverage reduced for emergency and veterinary specialists?	Trupanion: No.	PetFirst: No.
Claim Examples		PetFirst
Claim example 1: Foreign body ingestion - $3,980.98	Trupanion: Amount covered: $3,285.88 Remaining benefits: Unlimited	PetFirst: Amount covered: $3,492.88 Remaining benefits: $0 for foreign body incidents for the year; $11,507.12 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	PetFirst: Amount covered: $3,500 Remaining benefits: $8,007.12 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	PetFirst: Amount covered: $0* *Cruciate ligament damage is not covered. Remaining benefits: $8,007.12 for the year (when previous incidents are included).

The description of PetFirst's policy, underwritten by American Alternative Insurance Corporation (a subsidiary of Munich Re) and Lloyds of London was not furnished by American Pet Insurance Company. If there are questions regarding the illustration, please contact an agent of PetFirst. 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.petfirsthealthcare.com/ or by calling 1-866-937-PETS (7387).

Back to top