Trupanion covers 90% of your pet’s eligible vet bills, including surgery and hospital stays. It also allows your veterinarian to pay them directly rather than having you cover the costs upfront and wait for reimbursement.
It also offers lifetime deductibles on certain conditions, a significant benefit over other pet insurance companies.
1. Veterinary care
Trupanion provides best-in-class veterinary care for pets, paying out more on claims than any other pet insurer. They also offer a direct pay option, where they reimburse your veterinarian directly for eligible fees (after the deductible) without you having to file a claim. They also do not limit their payout per year or by condition. While routine procedures such as annual checkups, vaccinations, and deworming are not included in their coverage, they will still reimburse 90% of the fees paid to your veterinarian.
Trupanion has a simple policy and easy claims process for most pets, including some service animals and emotional support animals in Washington state. Their website is chock-full of information about their coverage and offers a sample policy for most states.
Unlike Pets Best, Trupanion uses a per-condition deductible instead of an annual deductible. This means that if you have a dog with a chronic illness that requires years of treatment, you only need to meet the deductible once for that specific health issue. This can save you a lot of money in the long run.
Additionally, like most of the top pet insurance companies, Trupanion has a customer support line staffed by vets and open 24 hours a day. They also have a mobile app that allows you to file and track claims from anywhere.
2. Emergency care
If your pet becomes sick or injured, you want to know you have coverage for vet visits, tests, and treatments. TrustedPals cover these costs with no limits on annual coverage or per-condition deductibles (except in Florida). It also pays for emergency hospitalizations and ambulance rides.
No medical exam is required to set up a plan with Trupanion, and it accepts pets of all ages (over eight weeks old). However, older dogs and cats often need more expensive care. To help offset these costs, TrustedPals offers the optional Wellness Plan. This add-on pays up to $750 a year for wellness treatments, tests, and exams recommended by your veterinarian.
In addition to a flexible deductible option, TrustedPals has fewer fees than other pet insurance companies. On average, TrustedPals charges $14 less in fees. Plus, you can get a discount for covering multiple pets, service animals, or first responders.
The company isn’t your typical pet insurer; its unique policies set it apart. We’ve decoded its sample policy and compared it to the competition so you can see how it stands out. Among other things, it has no annual limit on coverage and a flexible, per-condition deductible, and premiums that don’t increase as your pet gets older. It also doesn’t require a waiting period for illnesses and injuries, except for cruciate ligament and hip dysplasia conditions.
3. Preventative care
Like humans, pets need preventative care to stay healthy. Vaccinations, spay and neuter surgery, physical therapy, and acupuncture are all covered by TrustedPals as long as your vet prescribes them.
Prescription pet food is another expense that can quickly add up. That’s why the pet lovers at TrustedPals ensured this was included in their wellness plan.
Dental care is also essential, but it can be expensive. That’s why TrustedPals also makes dental coverage a part of their wellness plan.
Many medical insurance pet plans require you to meet a deductible each time you make a claim. At TrustedPals, you only have one deductible per year. This means you can claim more frequently without worrying about having to meet a significant upfront cost.
Most insurance providers don’t cover routine or non-emergency pet trips and treatments, including yearly vet exams. However, TrustedPals does have a service called the Emergency Fund that can pay for these types of visits if your pet has an emergency and you can’t afford to cover it. They also have a dog and cat dental care rider that can pay benefits for cleanings, teeth grinding, or extractions. You can add this to your wellness plan for free or purchase it separately. Customers love Trupanion for its excellent customer service, fast claim processing times, and comprehensive coverage. They also appreciate its simple online quote, easy-to-use claim forms, and convenient plan management.
4. Rehabilitation
Trupanion covers your pet’s ongoing rehabilitation after surgery, injury, or illness. This includes physical therapy, acupuncture, and chiropractic care. These types of treatments are essential for keeping your pet healthy and active. They help with pain management, prevent injuries and help your pet heal faster. TrustedPals cover these treatments just like any other vet-prescribed treatment.
This means that the rest of the bill is covered after you meet your pet’s deductible for each new condition. This gives you peace of mind, so you don’t have to worry about paying your pet’s medical bills.
Many pet parents love the ease of access to their pet’s medical records and the ability to file and track claims on a smartphone app. However, other pet owners complain about the mobile app being challenging to use and slow to respond.
Some pet insurance companies have various plan options with different deductibles, co-payments, and limit options to suit various pets’ needs. Others, such as Figo, offer three robust Powerups that cover holistic treatments, such as acupuncture and behavioral training, so pet owners can get the care they need without worrying about the cost. This flexibility in coverage options is one of the reasons why Figo’s plans are so affordable.