Why 90% payouts matter

Not all pet medical insurance is created equal. In fact, many other providers ask you to pick between different plans that may not reimburse you for a large portion of your veterinary costs. Trupanion is different—with a Trupanion policy, you can have 90% payouts for your pet’s unexpected veterinary bills.

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

Trupanion

Always pays 90% of eligible expenses

EMBRACE

Starts at 70%

HEALTHY PAWS

Starts at 50%. Reimbursement percentage options at enrollment decrease based on your pet’s age.

NATIONWIDE

No reimbursement percentage for Major Medical plan. Whole Pet with Wellness plan starts at 50%.

PETPLAN

Starts at 70%

FIGO

Starts at 70%

ASPCA

Starts at 70%


90% can mean thousands more dollars saved

While a lower reimbursement percentage can give you a cheaper monthly rate, 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
If your pet is facing expensive veterinary bills and you have a lower reimbursement level, you could still end up paying a lot of money for their treatment. By always paying eligible claims 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*
We love informed decsions. See the policy for full coverage details.

Your payout % with other providers may affect your policy

If you’re looking into other providers, we recommend playing around with different reimbursement options to see how it may affect other aspects of your policy. For example:

  • Figo offers a 100% reimbursement option, but if you choose that percentage, you cannot also have their lowest deductible option.
  • When looking at Healthy Paws, you may not be eligible for their 80% or 90% reimbursement options if your pet is 6 years or older when enrolling, or a breed that they view as risky. 
  • In fact, in many states Healthy Paws won’t offer anything higher than 70% reimbursement to breeds like Great Danes or French Bulldogs, even when enrolling as puppies.
  • While other companies have multiple reimbursement percentage options, they may have annual policies. So if you decide to switch to 90% payouts in the future, you may have to wait until your policy term is over to make changes. 
  • If you do want to make changes, you may even have to cancel your policy and re-enroll altogether, which means conditions that were previously covered may become pre-existing and ineligible for coverage.

How a 90% payout helped Cupcake

When Trupanion member Jennifer S. found out that her kitten Cupcake had a blood disorder, she knew she didn’t need to choose between life-saving treatment and finances. In fact, the Trupanion policy paid out 90% of her veterinary bills, totaling $12,541.

Trupanion member Cupcake the cat testimonial

“Trupanion was the clear choice, no other companies’ coverage compared. It was one of the easiest and best decisions I’ve ever made."
- Jennifer S. — Margate, Florida

If Cupcake had a policy with only 70% reimbursement, her owner would have only received $9,656 back. That means Jennifer would have been responsible for another nearly $3,000 out of pocket expenses for this one condition.
We love informed decisions. See the policy for full coverage details.

Give your pet the best. Call us today for a fast, easy, and risk-free quote:

855.591.3100

Or pick your price online.