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Barks & Mewsings

The Trupanion blog

How Does Pet Health Insurance Work?

By: Kelli Rascoe

Lewis the Golden Retriever wearing a suit

If you’re considering getting medical coverage for your furry friend, you may be wondering, “how does pet health insurance work?” Naturally, you may not know what to expect from your pet’s health insurance. You may have questions like what is pet health insurance, how do you use it, or why do you need it for your best friend?

Whether you’re a new pet owner or have a multi-pet household, it’s a big decision to get pet medical coverage for your furry family member.

How does pet health insurance work? Read on to discover how a Trupanion policy can be there for your pet’s lifetime.

How does pet health insurance work when you need it for your best friend

Lewis the Golden Retriever sits outside in the sunshine

What is pet health insurance?

If you have pets, you know they may get into things they shouldn’t. Because of this, pet health insurance is there to help your pets when they’re feeling unwell. As a pet owner, you want to get your best friend the medical care they need. With a Trupanion policy, you can rest easy that if your pet has an injury, illness, or a chronic pet health condition they can get medical care throughout their lifetime.

Pet health insurance coverage

Your pet’s medical coverage may vary depending on your pet’s age, breed, or your policy’s limits. Consider skipping the stress and enroll with a policy that’s made with your furry friends in mind. With a Trupanion policy, you may get perks like unlimited payouts*, 24/7 customer service, and a convenient member portal for online claims submission.

Whether your furry family member needs diagnostics, surgery, hospitalization, or a prescription medication they can help get medical care while lessening the financial stress. If your new puppy or kitten needs emergency care, that may come at a cost. For example, surgery can cost hundreds or even thousands of dollars.

Also, if your veterinarian has our unique software, we’re the only provider that can pay your veterinarian directly within seconds upon check-out. To learn more about payments through our direct software, click here.

How much does pet health insurance cost?

No pet owner wants to stress about finances when it comes to your best friend. Fortunately, with a Trupanion policy, you can get one simple plan with a range of deductibles that can fit your family’s budget. Naturally, no pet is the same. Because of this, your pet’s monthly cost is personalized with your furry friend in mind.

Steps on how to use your pet health insurance

If you have to use your pet health insurance, the last thing you want is to be confused or be stressed. Whether you need to submit a claim, ask a question, or enroll another furry family member, our 24/7 pet-loving specialists are here to help whenever you need it.

From midnight phone calls to chat sessions, a team member is always ready to help you and your pet any time of day.

Why do you need pet health insurance?

Your pets are family. At the end of the day, you want to know that you can count on your pet’s health insurance if something happens to your best friend.

Also, you never know what may happen with your pet. Naturally, there’s no way to know what they may do, even while you’re at home. You need the peace of mind that everything is going to be okay with your furry family member. Further, a Trupanion policy can help your pet get high-quality medical care they may need, without the stress.

Lewis the Golden Retriever at the park with his tongue out

Pet health insurance with a Trupanion policy can help give you peace of mind

Make sure you consider what works best for your family when you research your options. Your pets deserve to live a happy and healthy life. After all, they’re very special members of the family.

Discover how a Trupanion policy can help you pay your pet’s veterinary bills.

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We love informed decisions. See our policy for full coverage details.

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We’re the official blog of Trupanion—chosen by veterinarians as the #1 pet insurance in America. Here you’ll find useful dog and cat care tips, interesting veterinary insights, and fun pet topics galore.

While you’re browsing our pet blog, please note that the views expressed here are those of the individual authors and do not necessarily reflect those of Trupanion. Our articles are reviewed by veterinarians for accuracy, but they are not a substitute for professional diagnosis and treatment. Always consult with your own pet’s veterinarian for advice.

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