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TRUPANION MEDICAL INSURANCE FOR PETS

Understanding how the pet insurance industry works is the first step toward protecting your pet

Pet insurance companies may all seem the same, but the quality of care and the value you get for your money varies between providers. Use this page as a resource to help determine what you're really getting with your insurance provider.

5 things to know before choosing a pet insurance provider

Pet insurance companies differ greatly in how they cover pets and treat pet owners. The importance you place on medical coverage, price, and customer care will help you find a provider that's right for you and your pet.

Premiums (monthly payments) are calculated differently between pet insurance companies. Some companies offer an inexpensive plan that will increase as your pet ages, and some offer low cost plans that may not protect your pet when they need it. Others may seem pricier at the start, but offer better coverage in return. No matter what you're paying at first, it's reasonable to expect that rate to go up and down throughout the years.


Trupanion never raises rates based on your pet’s age or specific claims filed. We price for life as soon as your pet enrolls, so if your puppy signed up for insurance, they would still be paying the “puppy rate” when they are 12 years old. We are there for you for the lifetime of your pet. Rates may rise or fall depending on factors like cost of care in your area, but never because a pet has submitted “too many claims.” With Trupanion, you have coverage for your pet’s entire life, and no matter how much we need to pay out we will never drop your coverage.

Premiums vary for individual pets depending on a number of factors including: pet age, breed, gender, the cost of veterinary care where you live, inflation, the deductible you select, and the chosen coverage plan.

Depending on the insurance company, rates may change due to factors ranging from inflation to your pet naturally getting older. Pet medical insurance should be a lifetime commitment to helping your pet stay healthy, so don't be alarmed when rates change, but do try to avoid insurance companies whose policies allow for unfair rate increases.

Some insurance providers price your pet for life at enrollment, but others increase your premium every time your pet celebrates a birthday. Prices may also go up based on new conditions your pet develops, or once-covered conditions are deemed pre-existing at the policy’s annual renewal. Expect most of these increases to be specifically called out in the insurance policy, though they may be buried in the fine print.

Trupanion never raises rates based on your pet’s age or specific claims filed. We price for life as soon as your pet enrolls, so if your puppy signed up for insurance, they would still be paying the “puppy rate” when they are 12 years old. We are there for you for the lifetime of your pet. Rates may rise or fall depending on factors like cost of care in your area, but never because a pet has submitted “too many claims.” With Trupanion, you have coverage for your pet’s entire life, and no matter how much we need to pay out we will never drop your coverage.

Each pet insurance company will offer varying degrees of coverage, and some have coverage benefit schedules and annual or per incident limits that may not pay out when you need it. Prices differ between pet insurance providers because of their different coverage plans. If you find an incredibly cheap pet insurance plan, you should ask yourself what you’re really getting with that policy.


Trupanion’s one simple plan provides top quality care for your pets’ unexpected injuries and illnesses, even hereditary and congenital conditions. Trupanion does not offer coverage for wellness, because as a responsible pet owner you expect to pay for wellness procedures anyways. Why pay us for something you were already going to do when your veterinarian could offer you a better wellness offering? And because you aren’t paying for routine services, you get top value for unexpected issues—allowing us to reimburse eligible claims up to 90% with absolutely no payout limits.

 

Pet insurance providers offer accident-only coverage, accident and illnesses, or give the option to add a wellness plan. Some also offer riders, which is a supplement to the core coverage that can be added for an additional cost. Plans that cover both unexpected illnesses and injuries offer the most value, covering those conditions that are often costlier. When you choose a plan, choose one that protects both your wallet and your pet when you need it most.

Some pet insurance companies also sell wellness plans that help your pet with routine services such as yearly check-ups. However, it's important to know that wellness coverage and insurance are not the same thing. Insurance is there to protect your pet from unexpected accidents and illnesses. Wellness involves paying for services that you can expect your pet will need.

Usually, both insurance companies and veterinarians offer some form of wellness coverage. With wellness coverage from an insurance provider, you pay companies to reimburse you for services that you expect. Essentially, you'll be paying more in the long run because you're paying someone to cover things you already planned on. Veterinarians may also offer wellness care that is typically more tailored to your pet's unique needs.

Some plans let you choose how much and what type of coverage you will have available if your pet needs to rely on their insurance. This is usually represented in several different plan levels (think gold, silver, and bronze plans) that allow you to pick the level of care your pet will receive. You may be paying for pet insurance each month, but if you choose a lower level of insurance, coverage may not be there when you need it.

Most companies offer to pay anywhere from 60 to 90% of eligible claims, and depending on the age of your pet when they sign up for a policy, that coverage percent could decrease. Additionally, some insurance providers have plans that only pay costs according to a benefit schedule, where they decide how much your veterinarian should be charging for treatments. Some companies only pay up to a certain annual limit, or even per incident limit, and your claim could be denied if it exceeds how much that company is willing to pay out per year or per lifetime of the pet.

Hereditary conditions are what specific breeds are especially prone to developing, such as hip dysplasia. Congenital conditions are a disease or physical abnormality present in your pet since birth, such as cleft palate. Some pet insurance providers consider congenital and hereditary conditions pre-existing (even if they presented no clinical signs until well into your insurance policy), and therefore will not extend coverage for them.

Trupanion’s one simple plan provides top quality care for your pets’ unexpected injuries and illnesses, even hereditary and congenital conditions. Trupanion does not offer coverage for wellness, because as a responsible pet owner you expect to pay for wellness procedures anyways. Why pay us for something you were already going to do? And because you aren’t paying for routine services, you get top value for unexpected issues—allowing us to reimburse eligible claims up to 90% with absolutely no payout limits.

No pet insurance company currently covers pre-existing conditions, and each company defines pre-existing conditions differently. Even if your pet has a pre-existing condition, they may still be a good candidate for insurance if they have an injury or develop an unrelated condition down the road.


Trupanion’s policy is constantly evolving to offer the most comprehensive and highest quality coverage for injuries and illnesses that your pet may face. To see if your pet has any signs or symptoms that could be considered pre-existing, we look at records from 18 months before your pet enrolled and during any applicable waiting periods. If your pet develops a condition down the line, we try to find a medical disconnect between their previous symptoms and their current condition to help your pet get the care they need.

Trupanion doesn’t have extended waiting periods for any specific conditions. The standard waiting periods are 5 days for injuries and 30 days for illnesses. After these periods have passed, your pet is covered by our one simple plan. *Trupanion waives waiting periods for pets who enroll on a policy with a certificate.

A pre-existing condition is any injury or illnesses that your pet has shown clinical symptoms of having before coverage begins. You don't need to formally know the name of the condition for it to be considered pre-existing.

With any pet insurance provider, if your pet exhibited symptoms prior to enrollment but received the official diagnosis after being enrolled, that will be treated as a pre-existing condition. Generally, the older the pet the more likely they are to have symptoms suggestive of a pre-existing condition. This is the main reason it's important to insure your pet while they're young.

A waiting period is the set period of time after you first enroll with a pet insurance provider before your policy coverage kicks in. Any injuries or illnesses that occur during the waiting period are considered pre-existing and will not be covered by your policy.

Waiting periods vary by provider and can be as general or specific as they like. Some companies keep you waiting anywhere from 5 days to a year until your pet can receive full coverage.

Trupanion’s policy is constantly evolving to offer the most comprehensive and highest quality coverage for injuries and illnesses that your pet may face. To see if your pet has any signs or symptoms that could be considered pre-existing, we look at records from 18 months before your pet enrolled and during any applicable waiting periods. If your pet develops a condition down the line, we try to find a medical disconnect between their previous symptoms and their current condition to help your pet get the care they need.

Trupanion doesn’t have extended waiting periods for any specific conditions. The standard waiting periods are 5 days for injuries and 30 days for illnesses. After these periods have passed, your pet is covered by our one simple plan. You can go to your veterinarian and get a certificate or exam day offer that waive these waiting periods.

A deductible is the specified amount of money that you pay before your insurance provider will pay a claim. Choose a deductible that fits your budget and pay attention to how they are applied. Deductibles can help you control your premiums while still making sure that you receive coverage before you hit your budget limit. Some deductibles need to be met yearly and some only apply once per condition.


 

Trupanion provides a lifetime per condition deductible. You only need to meet your deductible once if your pet develops a condition or experiences complications from that condition. This is not the same as having to pay a deductible every time you go to the vet. You just pay toward your deductible when your pet experiences a new, eligible condition unrelated to existing claims. You can select a deductible from $0-$1,000 to best suit your budget.

Annual deductibles mean that regardless of the claim submitted, you must pay out a set amount every single year before coverage kicks in.

Lifetime per condition deductibles mean that you must pay a set amount for each new condition, once that deductible is reached you don’t have to pay toward that condition’s deductible, or any related conditions, for the remainder of the pet’s lifetime.

Annual per condition deductibles mean that not only must you meet the deductible for every condition, but you must meet it for every condition, every year. Each deductible set has merits depending on how many conditions your pet faces or the age at which they develop a condition.

If you want a low deductible, you'll have to pay for it with high premiums. If you can choose a high deductible, your premiums will be lower. Neither is necessarily better, and it all depends on your payment preference.

If you want to pay less out of pocked when you do need veterinarian treatment, it's best to get a lower deductible. If you want a lower monthly payment and are comfortable paying a larger amount when your pet develops an issue, a higher deductible could be the right choice.

Trupanion provides a lifetime per condition deductible. You only need to meet your deductible once if your pet develops a condition or experiences complications from that condition. This is not the same as having to pay a deductible every time you go to the vet. You just pay toward your deductible when your pet experiences a new, eligible condition unrelated to existing claims.

A Trupanion policy fits any budget because you can select a deductible from $0-1,000 depending on your financial situation.

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Accidents and illnesses don’t occur on your schedule. If your pet has an issue in the middle of the night will you feel the need to contact your insurance provider before moving ahead with treatment?


Trupanion’s customer care team is available 24/7, whenever you need us. We even confirm pre-approvals prior to procedures so you can rest easy knowing you’re covered, even in an emergency situation.

 

Most pet insurance companies are available to talk with their customers during standard business hours Monday through Friday with a few hours thrown in on the weekend. If you need support during non-standard business hours, look for a provider who is always available to support you.

Trupanion’s customer care team is available 24/7, whenever you need us. We even confirm pre-approvals so you can rest easy knowing you’re covered, even in an emergency situation.

Trust that Trupanion has what it takes to help

We want to help cats and dogs get the care they need and give loving pet owners peace of mind. If you'd like more information on industry standards and what Trupanion is doing to provide more for pet owners, just call our pet-loving customer care team. We're available 24/7 just for you: 855.210.8794.
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