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:
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.
“The daily testimonials we receive from clients thanking us for recommending Trupanion keeps my staff and doctors motivated to continue saving lives with state-of-the-art medicine and Trupanion coverage. The impact it has had on the business and operational success of my practice has been dramatic, and I recommend it to fellow veterinarians whenever I get the opportunity. We are not selling insurance when we make the recommendation – we are empowering our clients to be the best pet owners.”
“I adopted Zeus when he was 8 months old. I was a veterinary technician working in a veterinary clinic and everyone recommended Trupanion. Zeus is now 9 years old and has been diagnosed with hypothyroidism. All of his blood testing and medications are covered for life. Recently, a mild limp after a run turned into partial paralysis in all four legs. We rushed him to a specialty center where he had an MRI, a CT scan, a spinal tap, ultrasound, and endless X-rays. I could never have afforded that kind of care without our insurance. He just started regular acupuncture treatments and rehab therapy, and I have peace of mind knowing that I can afford to give him the care he needs for as long as he needs it.”
“I was incredibly skeptical of pet insurance because of all the stories and reviews I’d read online. Our veterinarian was promoting Trupanion. He had so many great things to say about it that I decided to enroll. In March, my cat Boo started having serious difficulty walking and would cry. I was panicked. Her situation called for a lot of veterinary visits. I can’t tell you how awesome Trupanion was during this scary ordeal. They were so helpful when I had to admit my girl to a neurologist and even got me a pre-approval. Boo had so many tests, an MRI, and even a spinal tap. Her bills piled up! Normally, I would have been stressed out trying to figure out how to pay this back on my credit card. With Trupanion, I didn’t even worry.”
“I’ve given bad news to hundreds of people over my career as a veterinarian. But no training could prepare me for the heart-crushing news I had to deliver to myself. That little bump on my 6-year-old Labrador’s leg, wasn’t “nothing”— it was cancer. In an instant I was faced with the unbearable weight of financial uncertainty. The small piece of hope I had was Trupanion. However, I was uneasy as I thought for sure there would be some loophole. However, within 48 hours her treatment was approved without question. All I could do was think, “thank you Trupanion for making her treatment possible.”
“When we adopted Truman as a puppy he seemed like a robust, healthy dog. I understood that chows have certain health issues and thought I would probably get him health insurance. My veterinarian, Dr. Lauralyn Brown of Lauralyn J. Brown Vet Hospital, recommended Trupanion and I signed up. His first hip replacement went beautifully. He was up and moving very quickly. He recently finished his second surgery and his checkup went off without a hitch. I can’t say enough about Trupanion. They were professional and helpful on the phone. The claims are processed quickly and reimbursement checks are in the mail just as fast. I have not had to argue a claim or had any claim denied.”
"The statistics regarding the average American’s savings account balance, of less than $1,000, speaks for itself. As patient advocates, we owe it to our patients to put their owners, our clients, in a position where they are best situated to care for their loved ones. Medical insurance serves patients by making the process of ‘saving’ easy for clients. Instead of clients stressing about, or feeling guilty about, the amount of money they’re able to put back under their own volition each month, medical insurance makes ‘saving’ for their pet’s care easy and automatic."
“When our boy was 8 years old, Bellingham Animal Hospital recommended we get Trupanion. I am so happy we took that advice. Just two years later Trupanion helped saved our boy’s life. Our 10-year-old yellow lab, Jake, developed splenic hemangiosarcoma and when his spleen ruptured he was in critical condition. He flat lined during the surgery but they were able to get his heartbeat back. Trupanion made it possible for us to keep our baby boy in our lives. I don’t know how or where we would have come up with that kind money if we didn’t have Trupanion. I tell everyone about Trupanion and for the small monthly payment it is so worth it.”
“When we got our puppy, Hitch, our veterinarian at Pine Creek Veterinary Hospital suggested we purchase Trupanion. Two years ago, Hitch contracted a canine papilloma virus, which is normally a minor inconvenience. This case was unlike any our veterinarian had seen before and severely disfigured our dog’s face, tongue and throat. Hitch’s treatment included a vaccine developed by Georgetown University, five surgeries scheduled five weeks apart, and immune boosting injections three times per week. 90% of the cost was paid by Trupanion, which allowed us to accept the best treatment for him. We would have otherwise been forced to make some difficult decisions about the level of care he received. Quite frankly, our Trupanion policy saved his life.”
“The time I invest discussing Trupanion with my clients comes back to me many times over when insured clients allow me to practice to the best of my ability without having lengthy conversations about finances. Trupanion clients are more likely to pursue more advanced diagnostics and the follow-up tests that allow me to insure that my patients are getting the correct care and are responding to therapy.”
“Champ’s veterinarian, Dr. Donna Schwartz, at Coral Springs Animal Hospital recommended Trupanion to us. Trupanion initially labeled the claim preexisting due to his medication. I was focused on how to pay for the surgery and I didn’t know what the outcome of our appeal would be. Dr. Schwartz wrote a letter explaining this could not be a preexisting condition—Champ could not survive two years with a mass on his liver. Trupanion reviewed the appeal and reversed their decision immediately. Trupanion covered 90% of everything after the deductible, including the ultrasound. The financial burden was gone and I could focus all of my energy on Champ.”
“We brought Kali to Ingersoll Animal Hospital for her first checkup [where they recommended Trupanion pet health insurance]. Over the next few days Kali seemed OK. When she started sneezing, we were concerned, but figured she picked up a cold. Then her breathing became labored. Kali had developed a severe case of pneumonia. She was monitored in an oxygen chamber overnight and given antibiotics to clear up her lungs. A few more days in the hospital and she was finally getting better. All of the tests and treatment gradually racked up. It was stressful to say the least. Thankfully, Trupanion paid 90% of the cost and we were able to save Kali’s life without going into debt.”
“As a veterinary technician, I have seen too many pet owners forced to make medical choices based on financial ability when the unexpected happens. Only four months after enrolling Cora Belle with Trupanion she suffered a partial tear to one of her cruciate ligaments. During a follow up visit, we discovered she had a small growth in her mouth. Our veterinarian removed as much of the mass as he could, but, the pathology report showed that the cancer extended into her jawbone. An oncologist recommended that we remove a small portion of Cora’s jaw to get rid of the cancer. We now faced a third surgery in only five months! Having Trupanion meant we never worried about the cost; instead we could focus on what the best treatment would be for Cora Belle.”
“Trupanion Express has been a game changer for our practice. It’s a WOW experience. It’s hard to think of Trupanion as a pet insurance company. They are smart, nimble and humble. They learn from their mistakes and above all, act with honor and integrity. This is a company that has a soul.”
“Our dog Willa was playing in the dog park one day when she suddenly collapsed. Her back legs just gave out and she could not regain movement for 30 minutes. Fortunately, we had purchased a Trupanion policy. Our veterinarian, Dr. Bibb at El Gato Veterinary Hospital, recommended Trupanion. Thank you Trupanion for the coverage that allowed us to not worry about the costs of finding the right diagnosis for Willa. Without Trupanion the costs would have definitely set us back. Not only was Trupanion terrific and easy to work with, but Dr. Bibb, Dr. Josling, and staff have been wonderful in submitting the claims and doing the research to make sure our Willa is taken care of.”
“I had a wonderful client advocate at Newport Harbor Animal Hospital introduce me to Trupanion. Initially, I thought, “jeez, I am on social security—how am I going to afford monthly premiums?” Turns out, what I couldn’t afford was not signing up! Mercy has had multiple ailments over the years. The most recent was for a cruciate repair surgery. I was handed a $3,800 estimate, and was able to provide the care Mercy needs only because Trupanion has been there for us at every turn. I’m writing this to put the word out about the importance of pet medical insurance. But even more so, a company that will not let you down. That is Trupanion!”
“I worked as a PM that had financially challenged clients. There was a lot of economic euthanasia. It was rough on the veterinarians AND the staff. We worked with a lot of donation organizations to try and help. This is when medical insurance for pets became my passion. Clients need empathy, support and to be able to count on someone who is on their side when they need it most, Trupanion does that!”
“When we adopted Chester in July, I received a call advising that he was heartworm positive. Moments later we received a phone call from Trupanion. The kind representative was honest. She advised that she would have to look into Chester’s history, speak with the VCA and would let me know their decision [on if the heartworm treatment was eligible for coverage]. Our worries were taken away the next day when we received the call from Trupanion that Chester’s treatment would be covered. Chester has undergone multiple treatments and as of today we are overjoyed to say he is a healthy boy. There is no way to show our gratitude for the compassion, patience and financial assistance Trupanion provided; without it, this may not have been possible.”
“After generally recommending medical insurance for pets for the first 13 years of my career and ending up with a large number of pets insured with VPI/Nationwide, I finally came to my senses and started making a strong recommendation for the best insurance company to my clients - Trupanion! I don’t have to battle for claims to be paid and work with medical diagnosis codes - I simply submit claims for my clients and Trupanion pays for best care. My hospital and clients couldn’t be happier with the service provided and how wonderful it is to be able to practice best medicine knowing our patients are covered for their illnesses! When an animal covered with medical insurance needs care - Trupanion backs the doctors and the hospital to provide the best care."
“As an Animal Health Technician working in a veterinary clinic, when I adopted my kitten, Abner, enrolling him with Trupanion took place before I even booked his first vaccination appointment. Enrolling him so early in his life guaranteed me that Abner would have complete coverage for anything that could possibly happen to him. On one of Abner’s vaccine appointments, when he received the Rabies vaccine, we went home where Abner proceeded to react badly to the vaccine. Trupanion has continued to cover a series of incidents since that first year, and I know since I have Trupanion insurance I’m covered for 90% of Abner’s injuries and illnesses.”
“I am a registered animal health technician, so I see every day the good that comes from having pet health insurance. It has been a Godsend for Joey! Joey spent a week in the clinic on I.V. fluids while we ran almost every test in the book. I.V. fluids, medications, x-rays, lab test after lab test, ultrasounds, biopsies, bone marrow aspirate – all to no avail. Finally, the consensus was to treat it as atypical IMHA (immune mediated hemolytic anemia). The bills are continuous and without Trupanion I don’t think he would be here. I can’t say enough as a veterinary professional and as a pet owner about the peace of mind Trupanion gives when there is a question about whether to go to the veterinarian or not.”
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.