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THE TRUE VALUE OF medical insurance for your pet

Inexpensive pet insurance is out there

You could probably get a pet insurance policy from another provider that costs less than a Trupanion policy. You could save some money each month. You could feel good about yourself knowing you had insured your pet. You could move on to the other things on your to-do list.

But what happens when your cat or dog needs medical care? Will that less expensive insurance policy help you and your pet when you need it most?

Veterinarian, Andrea Crabtree, is fond of saying “When a catastrophic event happens, medical coverage shouldn’t stop, it should kick into high gear!” What good is medical insurance for your pet if it doesn’t kick into high gear to cover conditions and situations that are more likely to affect your cat or dog? Sure, your policy may be a few dollars less each month, but will it really give your pet the best protection?

Picking the wrong pet medical insurance company could cost you more than money

Pet insurance shouldn’t be about getting the lowest possible policy, it should be about knowing your best friend is protected if the worst happens.

When Trupanion’s founder and CEO, Darryl Rawlings, was a kid, his family had to put down their 2-year-old dog, Mitzy, because they could not afford her relatively routine surgery. Economic euthanasia Economic euthanasia can be defined as a condition in which euthanasia is elected based primarily, principally, or to a large degree on the cost of veterinary medical absolutely heartbreaking. It is heartbreaking for loving pet owners, it is heartbreaking for dedicated veterinarians, and it is most heartbreaking for the cats and dogs that deserve to live long and healthy lives. Darryl founded Trupanion because he wanted to make sure loving pet owners are never in a situation where their only option is economic euthanasia.

If your pet insurance company has hidden loopholes, denies claims without a fair process, and limits coverage and reimbursement amounts, you may have to make a tough choice between your wallet and your pet’s health.

You want a pet medical insurance company that offers the best value

When it comes to choosing medical insurance for your pet, you’re probably like most loving pet owners. You want a policy that costs a reasonable amount and can protect your pet from the unexpected. To make sure you’re getting the most value out of your monthly payments, we recommend the following:

Watch out for low payout limits and reimbursement percentages

Most pet insurance companies give you the option to pick your reimbursement percentage (usually starting around 70%) and limit your payout amounts (sometimes starting at $1,000 each year). The flexibility to limit reimbursement and payouts does a great job of making your monthly payment less expensive. But what happens when an injury or illness strikes? Will 70% reimbursement and a $1,000 payout limit be enough to help your pet no matter what happens?

Trupanion wants to help protect your finances while you provide the best care for your pet, no matter what the future holds. That is why we have only one policy that reimburses 90% of your coverable expenses and has no payout limits. It’s not something you can change or opt out of, it’s just our way of making sure you and your pet are protected for life. 

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

Make sure you get quality coverage

By law, all pet medical insurance companies are required to share a sample of their policy. You may see text around our website that looks like this: Terms and conditions apply. See the full policy for details. In these policies, you’ll see every single thing a company will and will not cover for your pet. Hidden exclusions companies might not mention on their website are available for you to view.

To make sure you are getting the best value for your money, view every company’s sample policy.  Make sure there are no unfair limitations that you aren't comfortable with. If you’re paying month after month for medical insurance for your pets, you don’t want to realize two years down the road that you signed up for limited coverage and you won't be covered.

We’ve provided summaries and links to three major pet insurance companies for you to review some of their policy restrictions for yourself.


  • The majority of plans do not cover congenital or hereditary conditions (the conditions breeds are more likely to experience)
  • Excludes over 182 conditions from most of their plans
  • Can deny conditions previously covered at annual renewals

Healthy Paws

  • No coverage for hip dysplasia until 12 months after enrollment  Hip dysplasia can be extremely costly to treat once diagnosed, and is most often diagnosed at a young age. A Golden Retriever, for instance, is 3.4x more likely than the average dog to be diagnosed with hip dysplasia before they are a year old. If hip dysplasia is not diagnosed and treated as soon as possible, it can lead to the need for total hip replacement which can cost over $5,000.
  • No coverage for supplements, vitamins, or food
  • No coverage for dental illness


  • In some states, if your pet has shown symptoms of diabetes, Cushing’s disease, Addison’s disease, or FeLV/FIV before enrolling, there is no coverage for any illnesses
  • No coverage for dental illness

To provide the best value for loving pet parents, a Trupanion policy covers ALL new injuries and illnesses your pet may face, including:


We'll cover conditions your breed is prone to inheriting.


  • Elbow and hip dysplasia
  • Diabetes
  • Upper respiratory infections
  • Thyroid disease


Even if your pet doesn't have an official diagnosis, we'll cover you.


  • Vomiting
  • Diarrhea
  • Cough
  • Change in weight


We'll cover conditions your pet was born with.


  • Heart disease
  • Nervous system issues
  • Cataracts
  • Liver disease

Our goal is to be transparent, so here’s a reminder that our policy isn’t designed to cover the things that happened before you became a member and your coverage kicked in. If you noticed any signs or symptoms that your pet was unwell before you enrolled, your claim will not be eligible for coverage.

Whatever medical procedures your cat or dog needs for those unexpected injuries and illnesses, we’ll cover. That includes things like diagnostic tests, surgeries, hospital stays, medications, veterinary supplements, herbal therapy, and even prosthetic devices and carts. We offer the comprehensive coverage of the Trupanion policy to help give you the best value possible, and we encourage you to see our full policy for details.

Ask about a company’s claims experience

The last thing you may want to research is how transparent pet medical insurance companies are about their claims.

Submitting a claim to some insurance companies can seem scary. Often, you may not know exactly what is taken into account when reviewing your claim. Some pet insurance companies make you jump through hoops to submit a claim. Others prolong the claims process by making you reach out and collect all of your pet’s medical records. Some companies even require your pet to have additional exams by a veterinarian of their choosing. To make sure you're comfortable with a company's claims process, you should request a breakdown of their claims experience.

Your pet deserves the best and you deserve the best value

Trupanion does not want to be the most inexpensive pet insurance policy that lets owners sacrifice quality coverage for a lower cost. We want to offer the best medical insurance for cats and dogs. More than anything, we want to keep your pet happy and healthy, because of the financial support we provide.

Before deciding on a company to provide medical insurance for your pets, please do your research. When you're ready, choose the company you feel offers you and your pet the best value.