Helping pets every day |
Claim paid $2,110.57 on 2/9/2012 for Jake, Dog age 7 Miniature Schnauzer from Pepperell, Massachusetts | Claim paid $2,669.35 on 2/9/2012 for Cash, Dog age 7 German Shepherd from Scarborough, Ontario | Claim paid $998.46 on 2/9/2012 for Lulu, Dog age 1 Mixed Breed from Mississauga, Ontario | Claim paid $2,158.30 on 2/9/2012 for Lulu, Dog age 1 Mixed Breed from Mississauga, Ontario | Claim paid $501.00 on 2/9/2012 for Emmy, Dog age 3 Greyhound from Burnaby, British Columbia | Claim paid $668.23 on 2/9/2012 for Emmy, Dog age 3 Greyhound from Burnaby, British Columbia | Claim paid $741.06 on 2/9/2012 for James Hutton, Dog age 9 Field Spaniel from San Francisco, California | Claim paid $1,887.17 on 2/9/2012 for Stella, Dog age <1 Golden Retriever from Gainesville, Georgia | Claim paid $566.10 on 2/9/2012 for Tex, Dog age 1 American Pitbull Terrier from Farmingdale, New York | Claim paid $768.60 on 2/9/2012 for Tex, Dog age 1 American Pitbull Terrier from Farmingdale, New York | Claim paid $776.82 on 2/9/2012 for Molly, Dog age 10 Golden Retriever from Lexington, Kentucky | Claim paid $627.04 on 2/9/2012 for Puccini, Dog age 2 Pomeranian from Santa Clara, California | Claim paid $2,250.71 on 2/9/2012 for Madison, Dog age 1 English Bulldog from Vancouver, British Columbia | Claim paid $580.50 on 2/9/2012 for Andy, Dog age 1 Mixed Breed from edmonton, Alberta | Claim paid $765.35 on 2/9/2012 for Diva, Dog age 9 Dachshund from Victoria, British Columbia | Claim paid $1,129.77 on 2/9/2012 for Diva, Dog age 9 Dachshund from Victoria, British Columbia | Claim paid $800.75 on 2/9/2012 for Paddington, Dog age <1 Pomeranian from Weston, Florida | Claim paid $2,764.06 on 2/9/2012 for Laika, Dog age 2 Labrador Retriever (Chocolate) from Dunstable, Massachusetts | Claim paid $1,221.07 on 2/9/2012 for Willow, Dog age <1 German Wirehaired Pointer from Hamilton, Ohio | Claim paid $1,196.54 on 2/9/2012 for Mika, Dog age 1 Lhasa Apso from San Diego, California |
 

Pet Insurance Comparison with PurinaCare

Click on a company name below to compare pet insurance plans.


ASPCA Embrace PetFirst Petplan Pets Best
PurinaCare
VPI 24PetWatch

Trupanion offers a 30 day
money-back guarantee.

30 day guarantee

Pet Health Insurance Quote

  Dog Cat
  

  
Common Policy Questions Trupanion PurinaCare

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)

PurinaCare:

*Based on breed and age examples to the left.

PurinaCare Plan $20,000 annual limit (Selected plan: 80% coverage, $100 deductible)

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.

PurinaCare:

Standard charges* for diagnostic tests, surgeries, and medications resulting from an accident or illness (including hereditary and congenital conditions).

*Standard Charges means the fees Your Veterinarian routinely charges uninsured clients for similar Eligible Services.

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.

PurinaCare:

60%, 70%, or 80% (depending on choice) of standard charges and veterinary exam fee for costs arising from injury or illness, after annual deductible is met.

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.

PurinaCare:

$20,000 per year for each year your pet is alive.

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.

PurinaCare:

$100, $250, $500, or $1000 annual deductible.

Question:

Are hereditary and congenital conditions covered?

Trupanion:

Yes.

PurinaCare:

Yes.

Question:

Is alternative therapy coverage available?

Trupanion:

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

PurinaCare:

Yes.

Question:

Are prescription medications covered?

Trupanion:

Yes.

PurinaCare:

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.

PurinaCare:

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.

PurinaCare:

  1. Pre-existing conditions
  2. Any accident or illness caused by pandemic conditions

Question:

Is coverage reduced for emergency and veterinary specialists?

Trupanion:

No.

PurinaCare:

No.
Claim Examples Trupanion PurinaCare

Claim example 1:

Foreign body ingestion - $3,980.98

Trupanion:

Amount covered: $3,285.88

Remaining benefits: Unlimited

PurinaCare:

Amount covered: $3,104.78

Remaining benefits: $16,895.22 for the year.

Claim example 2:

Retinal detachment - $4,351.00

Trupanion:

Amount covered: $3,825.90

Remaining benefits: Unlimited

PurinaCare:

Amount covered: $3,400.80

Remaining benefits: $13,494.42 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

PurinaCare:

Amount covered: $4,914.31

Remaining benefits: $8,580.11 for the year (when previous incidents are included).
Owner Testimonials
"My sweet chocolate lab Mugsy, has needed thousands of dollars worth of surgeries in only his first year of life. I don’t know what we’d have done without pet insurance." Read more

Pet Insurance Comparison Charts Disclosure

The description of PurinaCare's policy, underwritten by the Central States Indemnity Co. of Omaha was not furnished by American Pet Insurance Company. If there are questions regarding the illustration, please contact an agent of PurinaCare. 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.purinacare.com/ or by calling 1-877-8PURINA (878-7462).

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