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The life or death difference between 70% and 90%

If you’re familiar with medical insurance for pets, you know that pet insurance companies offer different reimbursement percentages.

Most providers let you choose what percentage of the bill you’d like to be reimbursed for, and the reimbursement percentages usually range from 60% to 90%.

The lower a reimbursement percentage you choose, the cheaper your monthly price.

At first, it might seem nice to get a cheaper monthly price in exchange for a 70% reimbursement amount. But what happens when your pet has an unexpected emergency that costs thousands of dollars?


EXAMPLE BILL WITHOUT INSURANCE

Total:
$26,789.55

(without taxes)


YOU PAY:
$26,789.55
EXAMPLE BILL WITH 70% REIMBURSEMENT

Total:
$26,789.55

(without taxes)


You pay your chosen deductible:
$250
YOU STILL PAY:
$8,211.86
EXAMPLE BILL WITHOUT INSURANCE

Total:
$26,789.55

(without taxes)


YOU PAY:
$26,789.55
EXAMPLE BILL WITH 70% REIMBURSEMENT

Total:
$26,789.55

(without taxes)


You pay your
chosen deductible:
$250
YOU STILL PAY:
$8,211.86
EXAMPLE BILL WITHOUT INSURANCE

Total:
$26,789.55

(without taxes)


YOU PAY:
$26,789.55
EXAMPLE BILL WITH 70% REIMBURSEMENT

Total:
$26,789.55

(without taxes)


You pay your
chosen deductible:
$250
YOU STILL PAY:
$8,211.86

If you still can’t pay the hospital because your insurance company only reimburses you for 70% of the medical bill, your only option may be economic euthanasia.

Sadly, this heartbreaking situation of loving pet owners not being able to afford veterinary care happens all of the time.

When he was just a kid, Trupanion’s founder, Darryl Rawlings and his family could not afford surgery for his dog Mitzy, and she died because she could not get treatment.

At one veterinary clinic, “two-thirds of the pets put to sleep every week are euthanized for economic reasons,” according to USA Today.

Even if pet owners have pet insurance, it is not a guarantee they will be reimbursed enough to provide life-saving care.

In a review of the most prominent pet insurance companies, most all of them offer lower reimbursement percentages in exchange for a cheaper policy – even if that’s not what’s best for your pet.

Trupanion Logo

Always 90% reimbursement

EMBRACE

Starts at 70%

PETPLAN

Starts at 70%

VPI/ NATIONWIDE

No reimbursement percentage. Reimburses based on a set benefits schedule.

HEALTHY
PAWS

Starts at 60%. Reimbursement goes down based on your pet's age.

FIGO

Starts at 70%

ASPCA

Starts at 70%

Trupanion Logo

Always 90% reimbursement

EMBRACE

Starts at 70%

PETPLAN

Starts at 70%

VPI/NATIONWIDE

No reimbursement percentage. Reimburses based on a set benefits schedule.

HEALTHY PAWS

Starts at 60%. Reimbursement goes down based on your pet's age.

FIGO

Starts at 70%

ASPCA

Starts at 70%

To complicate matters further, if pet insurance companies do offer 90% reimbursement, they may pay for this benefit by automatically raising your monthly rate as your pet gets older.

The New York Times notes, “Pet insurance, like human health insurance, can easily pay for itself over the years and will put you in a position where you can afford life-saving treatment.” However, this statement is only true when you can still afford life-saving treatment after your pet insurance company has paid out its percentage.

With these other pet insurance companies, you may get a cheaper monthly policy in exchange for low reimbursement amounts, but your pet may not get the protection they need.

Pet health insurance should always reimburse at 90% to help provide life-saving care

When your pet is seriously ill or injured, you shouldn’t have to worry about paying their medical bills. You should just focus on getting them the help they need.


Trupanion only has one policy that gives all pets 90% reimbursement and unlimited payouts


If your pet is facing expensive veterinary bills and you opted for 70% reimbursement, you could still be paying a lot of money for their treatment.

We don’t want pet owners to think about finances when their pet needs help.

By reimbursing at 90%, we help take pressure off loving pet owners and help make it easier for them to choose the best form of treatment for their pet.

EXAMPLE BILL WITHOUT INSURANCE

Total:
$26,789.55

(without taxes)


YOU PAY:
$26,789.55
EXAMPLE BILL WITH 70% REIMBURSEMENT

Total:
$26,789.55

(without taxes)


You pay your
chosen deductible:
$250
YOU STILL PAY:
$8,211.86
EXAMPLE BILL WITH TRUPANION'S 90% REIMBURSEMENT

Total:
$26,789.55

(without taxes)


You pay your
chosen deductible:
$250
YOU PAY:
$2,903.96*
EXAMPLE BILL WITHOUT INSURANCE

Total:
$26,789.55

(without taxes)


YOU PAY:
$26,789.55
EXAMPLE BILL WITH 70% REIMBURSEMENT

Total:
$26,789.55

(without taxes)


You pay your chosen deductible:
$250
YOU STILL PAY:
$8,211.86
EXAMPLE BILL WITH TRUPANION'S 90% REIMBURSEMENT

Total:
$26,789.55

(without taxes)


You pay your chosen deductible:
$250
YOU PAY:
$2,903.96*
EXAMPLE BILL WITHOUT INSURANCE

Total:
$26,789.55

(without taxes)


YOU PAY:
$26,789.55
EXAMPLE BILL WITH 70% REIMBURSEMENT

Total:
$26,789.55

(without taxes)


You pay your
chosen deductible:
$250
YOU STILL PAY:
$8,211.86
EXAMPLE BILL WITH TRUPANION'S 90% REIMBURSEMENT

Total:
$26,789.55

(without taxes)


You pay your
chosen deductible:
$250
YOU PAY:
$2,903.96*

Terms and conditions apply. See the full policy for details

*If you’re using a hospital that takes Vet Direct Pay, Trupanion can even pay our portion of the bill directly to the hospital so you aren’t waiting for a reimbursement check.

Dr. Heather Steyn has seen our 90% reimbursement feature help patients in her veterinary practice. According to Dr. Steyn, 90% reimbursement and unlimited payouts “allow veterinarians to practice the best medicine without having a financial discussion” with pet owners.

When you have a partner who can take on the majority of your pet’s medical bills, things suddenly don’t seem so overwhelming. Give your pet the quality medical procedures they need and do whatever you have to do in order to get them happy and healthy again. We’ll be right by your side covering 90% of the eligible bill (no matter how costly).


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