Trupanion covers 90% of actual veterinary costs for approved accident and illness claims, less the exam fee and optional deductible. Full 90% coverage is available at any veterinary hospital, emergency care center or specialty hospital.
Trupanion covers all the big claims and you are responsible for routine care coverage. Trupanion pet health insurance does not cover expected veterinary costs (the ones that you can plan for) because we believe you should keep the dollars in your pocket rather than paying a pet insurance company to handle your check book. Dollar trading for routine veterinary visits would double monthly premiums without adding additional value. Instead, Trupanion offers an affordable and practical type of pet health insurance that covers major costs that you can't anticipate.
Let's use an example. Your new dog hasn't been himself lately. You bring him to the veterinarian and he's diagnosed with an illness commonly found in dogs between the ages of 1 and 3 (pneumonia). Due to his weak state, he requires several days in the emergency hospital. After a few weeks of medication, there is little improvement so lung surgery is performed.
As the bills continue to mount and surpass $7,000, you feel secure knowing that at least you have pet insurance. You wonder whether your insurance will cover such a substantial veterinary bill so you quickly call Trupanion. You discuss your cat or dog insurance coverage and payout and are relieved to be reminded that Trupanion pet health insurance has no caps or benefit schedules. Therefore, Trupanion will pay for your current veterinary bills and will continue to pay 90% of all veterinary bills related to this condition.
No surprises, just total protection for your unlucky dog or cat by Trupanion when you need it most.