The real difference between 70% and 90% reimbursement

If you’re familiar with medical insurance for pets, you know that companies offer different reimbursement percentages to help you afford veterinary care for unexpected injuries and illnesses. Most providers let you choose what percentage of the bill you’d like to be reimbursed for, usually ranging from 70% to 90%.

In a review of the most prominent pet insurance companies, most of them offer reimbursement percentages around 70%:

Trupanion

Always pays 90% of eligible expenses

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%

Pet insurance companies that offer a lower a reimbursement percentage can give you a cheaper monthly rate. At first, it might seem smart to get a cheaper monthly rate in exchange for a lower 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

Even if you have medical insurance for your pet, it is not a guarantee you will be reimbursed enough to afford the care your pet needs if you are only reimbursed 70% of the eligible expenses.

Medical insurance for pets should always reimburses at 90%

If your pet is facing expensive veterinary bills and you opted for 70% reimbursement, you could still end up paying a lot of money for their treatment. By always reimbursing at 90%, the Trupanion policy helps reduce financial pressure and can make it easier for you to choose the best form of treatment for your 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*
Terms and conditions apply. See the full policy for details.

Dr. Heather Steyn has seen our 90% reimbursement 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 an insurance partner, who can help take on the majority of your pet’s medical bills, things may not seem so overwhelming. Give your pet the quality veterinary care they deserve. We’ll be right by your side covering 90% of the eligible bill - no matter the cost).

See how Trupanion stands out from the pack

See how Trupanion stands out from the pack

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