The Difference Between Pet Insurance and Trupanion
Underwritten by American Pet Insurance Company
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The Difference Between Pet Insurance and Trupanion

Read on to learn more the differences between Trupanion and other competitors in this pet insurance comparison chart blog post.

September is National Pet Insurance Month, and that’s great. We appreciate anything that helps more pets get the veterinary care they need! But Trupanion isn’t just ordinary “pet insurance.” We’re medical insurance for cats and dogs.  

What’s the difference? We’re so glad you asked… 

The difference between pet insurance and medical insurance for pets 

Discover why Trupanion is a leader in the pet industry  in this pet insurance comparison blog post.

Coverage 

Pet Insurance 

Pet insurance providers offer coverage with limits that reset every year, annual renewals, and multiple exclusions. Worst of all? You have to navigate a list of confusing tiers and plans, each one just a little different.  

Trupanion 

We don’t try to confuse you with multiple plans or tiers. You can get a simple plan that covers new and unexpcted injuries and illnesses. Learn more about our coverage here. If you live in Florida, take a look at our new Trupanion Plan. 

Claims Payments

Pet Insurance 

Reimbursement is the traditional model and what most providers offer. If you are really in need of help for unexpected veterinary bills, how helpful is it to pay upfront and wait by the mailbox for reimbursement?

Trupanion 

Cash? Card? Trupanion. We can pay your veterinarian directly at the time of checkout, so rather than reach for your wallet, just give your member number! Take a peek to see if your veterinarian uses our unique software. 

Restrictions 

Pet Insurance 

Pet insurance providers may limit pets to certain plans at enrollment, many of which exclude common conditions like genetic or hereditary issues.  

Trupanion 

We cover new and unexpected conditions. Plus, we have no limits on payouts – ever.

Deductibles 

Pet Insurance 

Pet insurance providers may only offer a few deductible options. 

Trupanion 

You choose the deductible that fits your budget, from $0 to $1,000—or any number in between. In fact, if you live in Florida we can do away with the deductible entirely.  

Waiting Periods 

Pet Insurance 

Providers can have waiting periods up to six or even 12 months for certain conditions to be covered. 

Trupanion 

Five days for injuries, 30 days for illnesses. Or skip the wait entirely with our Exam Day Offers. Live in Florida? You get a single 12 day waiting period that can also be waived with an Exam Day Offer.

Personal Touch 

Pet Insurance 

Better hope your emergency happens during business hours. 

Trupanion 

We’re standing by 24/7 every single day of the year to help. We’re pet lovers first and foremost, so we’re just as happy to chat about your furry family member’s new tricks.  

Discover more about the differences and benefits of Trupanion over competitors in this pet insurance comparison blog post.

Please see the policy for full coverage details.

Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit AmericanPetInsurance.com to review all available pet health insurance products. 

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