Vet examines dog
VETERINARIANS RECOMMEND PET HEALTH INSURANCE

Veterinarians recommend the best pet insurance companies follow 9 critical guidelines

It may seem obvious, but veterinarians want to help cats and dogs get the best medical care possible.

Veterinarians don’t want to deny treatments because pet owners can’t pay, or have to give below average medical care because the ideal treatment is too expensive.

So it should come as no surprise that the American Veterinary Medical Association (AVMA) supports pet health insurance:


"The AVMA endorses the concept of pet health insurance that provides coverage to help defray the cost of veterinary medical care.”


According to the AVMA, pet health insurance is a good investment if it complies with their 9 guidelines.

When evaluating pet insurance companies, make sure they can answer “yes” to these questions:

Number 1

AVMA GUIDELINE: Pet insurance should require a veterinarian/client/patient relationship

Questions to ask your pet insurance company:

  • Do you support the relationship between pet owners and veterinarians?
  • Do you collect medical records in a way that reduces strain on others?
  • Do you foster communication between pet owners and veterinarians?
Number 2

AVMA GUIDELINE: Pet insurance should allow pet owners to choose their own veterinarian, including specialists and emergency/critical care facilities the pet may need

Questions to ask your pet insurance company:

  • Do you cover all areas of the country?
  • Are there never limits on what veterinarian I can visit?
  • Am I eligible for reimbursement if I go to a specialist or emergency clinic?
Number 3

AVMA GUIDELINE: Pet insurance should never interfere with the veterinarian's fee structures

Questions to ask your pet insurance company:

  • Do you refrain from questioning veterinarians about their recommended treatment?
  • Will you accept my veterinarian’s advice and not request less effective procedures just because they are cheaper?
  • Will you reimburse based on the actual cost of the procedures and not on what the procedure “should cost?”
Number 4

AVMA GUIDELINE: Pet insurance should be offered only where the policies are approved by the state insurance regulatory agency

Questions to ask your pet insurance company:

  • Do you work side-by-side with insurance regulators to offer insurance in the United States, Canada, and Puerto Rico?
  • Are your prices fair and reasonable?
  • Is your policy proven to cover all unexpected injuries and illnesses?
  • Are there no hidden exclusions in your policy?
Number 5

AVMA GUIDELINE: Pet insurance should be consistent with the Principles of Veterinary Medical Ethics and the pet health insurance industry ethical standards

Questions to ask your pet insurance company:

  • Do you support the Principles of Veterinary Medical Ethics and live up to the pet health insurance industry’s ethical standards?
  • Do you have a mission other than making a profit?
Number 6

AVMA GUIDELINE: Pet insurance should use a licensed veterinarian to assist in claims adjudication

Questions to ask your pet insurance company:

  • Do you use claims specialists that have worked in the veterinary field?
    • Do your claim specialists understand pet medical terminology, or will my veterinarian need to call in and explain my claims?
    • Do your claim specialists have any experience in a clinic/hospital environment or have veterinary credentials?
Number 7

AVMA GUIDELINE: Pet insurance should be clear about their policy limits, pricing structure, and optional coverage that might be available to the policyholder

Questions to ask your pet insurance company:

  • Are you 100% clear about what you do not cover?
  • Do industry experts refine your pricing structure periodically?
  • Do you clearly offer additional coverage for non-clinical procedures?
  • Can I call you any time (mid-day or midnight) to ask questions? Is the number toll free?
Number 8

AVMA GUIDELINE: Pet insurance should be transparent about how the terms and conditions of their plans will impact coverage and cost, including the financial obligations of the policy holder such as co-pays, deductibles, and exclusions

Questions to ask your pet insurance company:

  • Do you offer a sample policy so I can see for myself how transparent and reliable the coverage is?
  • Do you have educational information to explain how your deductible works?
  • Do you give a transparent and clear look into your claims process?
Number 9

AVMA GUIDELINE: Pet insurance should communicate about the fee reimbursement process clearly

Questions to ask your pet insurance company:

  • Do you have a system of checks and balances in place to help process claims in a way that is detailed and transparent?

Simply put, when a pet health insurance policy passes these tests, it gives cats and dogs the best chance at a happy and healthy life.

As far as Trupanion is concerned, we can confidently answer “yes” to every single one of these questions.

After all, following these guidelines is what helps cats and dogs have the best chance at a long, happy, and healthy life.

More than 20,000 veterinarians actively recommend Trupanion

As of 2017, Trupanion has unique partnerships with over 2,500 veterinary clinics and over 7,500 veterinarians. When factoring in veterinary recommendations from other clinics and hospitals across the country, we conclude that over 20,000 veterinarians actively recommend Trupanion.

Since 2014, we have been the only pet insurance company who can pay veterinarians directly in minutes. Our data shows that this unique reimbursement model coupled with the number of veterinarians who recommend our policy positions us as the top veterinarian recommended pet health insurance company in 2016, 2017, and 2018 among insurers that can pay veterinarians directly in minutes.

Our policy was developed by veterinarians to help cats and dogs get life-saving care when they need it most. For two decades, we have protected nearly half a million pets, and veterinarians keep recommending our policy to loving pet parents.





These recommendations tell us that the work we’re doing is having a real difference in the lives of cats and dogs.

But we won’t stop here.

Trupanion will continue working to support pets, pet owners, and veterinarians.


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