Helping pets every day |
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 VPI

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Common Policy Questions Trupanion VPI
Underwritten by National Casualty 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)

VPI:

*Based on breed and age examples to the left.

Major Medical Plan (Selected plan: $100 deductible, $14,000 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.

VPI:

Conditions that are within a primary diagnostic code and any applicable secondary diagnostic code(s) listed on VPI's "Benefit Schedule".

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.

VPI:

Payout amounts per condition are determined by VPI's "Benefit Schedule" after the 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.

VPI:

Annual limit of $7,000 or $14,000, depending on plan choice.
Each condition is eligible for payment under only one Primary Diagnosis Allowance (Exam, diagnostic testing, prescriptions, injections, hospitalization, treatment, anesthesia, and surgery) and any applicable Secondary Diagnosis Allowance (The benefit limit for the condition or procedure that is treated along with the Primary Diagnosis condition or procedure) code found in the "Benefit Schedule". Repeat claims are subject to annual limits per diagnostic code.

Example: Your pet swallowed a toy.
Gastric Foreign Object(s)-Medical (Code 1220)

  • Primary Allowance $620
  • Secondary Allowance $250

Gastric Foreign Object(s)-Surgical (code 1221)

  • Primary Allowance $0
  • Secondary Allowance $1500

In this case, the maximum payout for gastric foreign body surgery is $2,120.

Specialized diagnostic tests have individual limits with a limit of $1500 per policy term. Chemotherapy/radiation maximum of $2000.

View VPI's entire Major Medical Plan Benefit Schedule PDF

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.

VPI:

$100, $250, $500, or $1,000 annual deductible, depending on choice.

Question:

Are hereditary and congenital conditions covered?

Trupanion:

Yes.

VPI:

Congenital conditions are not covered. Hereditary conditions are only covered under Major Medical Plan after pet has been enrolled for one year. Annual coverage limits of $250 for diagnostics or medical treatment and $500 for surgical treatment for listed hereditary conditions.

Question:

Is alternative therapy coverage available?

Trupanion:

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

VPI:

Yes.

Question:

Are prescription medications covered?

Trupanion:

Yes.

VPI:

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.

VPI:

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.

VPI:

  1. Pre-existing conditions
  2. Any congenital disorder
  3. Any hereditary disorder in the first 12 months
  4. Six Musculoskeletal disorders in the first 12 months including:
    • Hip dysplasia
    • Elbow dysplasia
    • Osteochondritis dissecans
    • Aseptic necrosis
    • Cervical vertebral instability
  5. Two urinary tract disorders in the first 12 months
  6. Age-related ocular disorders
  7. Two endocrine disorders in the first 12 months
  8. Cruciate ligament damage in the first 12 months
  9. Collapsed trachea in the first 12 months
  10. Histiocytosis in the first 12 months

View VPI's entire Major Medical Plan list of exclusions PDF

Question:

Is coverage reduced for emergency and veterinary specialists?

Trupanion:

No.

VPI:

No. Coverage amounts for eligible procedures and conditions are defined by itemized benefit schedule.
Claim Examples Trupanion VPI
Underwritten by National Casualty Company

Claim example 1:

Foreign body ingestion - $3,980.98

Trupanion:

Amount covered: $3,285.88

Remaining benefits: Unlimited

VPI:

Amount covered: $2405 Intestinal foreign object medical and surgical maximum allowance

Remaining benefits: $0 for foreign body incidents for the year; $11,595 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

VPI:

Amount covered: $1,420 Retinal detachment medical and surgical maximum allowance

Remaining benefits: $0 for retinal detachment incidents for the year; $10,175 for other conditions (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

VPI:

Amount covered: $0*
*Cruciate ligament injuries are not covered within the first 12 months of enrolling. After first year, up to $3,550 would be covered.

Remaining benefits: $10,175 for new conditions (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 DVM Insurance Agency's policy (known as Veterinary Pet Insurance (VPI) in California), underwritten by National Casualty Company was not furnished by American Pet Insurance Company. If there are questions regarding the illustration, please contact an agent of DVM Insurance Agency or VPI. 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 calling 1-800-872-7387.

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