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Choose a pet insurance company to compare with Trupanion:
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ASPCA |
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| What IS covered if a pet is sick or injured? | All diagnostic tests, surgeries, and medications (including hereditary and congenital disorders). |
Reasonable costs* for diagnostic tests, surgeries, and treatment.
*The customary fee charged for a given treatment or procedure with the geographic area in which the fee is incurred. |
| What is NOT covered if a pet is sick or injured? |
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| What are the policy payout limits? | Currently $20,000, with no limits per year, claim, illness, procedure, or condition. |
$2,500 - $5,000 per incident limit subject to an annual cap of $8,000 - $13,000, depending on plan choice.
For example: Pet owner would have to have 3 or 4 incidents that reached per incident limit to use full annual benefit. |
| What are the deductible options? | You can choose to have no deductible or choose between $50 and $1000. | $100 annual deductible |
| What amount will the policy cover? | 90% of actual veterinary bill for costs arising from injury or illness, less the veterinary exam fee and deductible, if selected. | 80% of reasonable costs arising from injury or illness, after the annual deductible is met, up to per incident limit and annual limit. |
Monthly Cost Example
Quote for Labrador Retriever Dog and Domestic Shorthair Cat, under 1 year old in Santa Monica, California. |
Trupanion Plan with $100 Deductible Dog -- $32.06 Cat -- $19.42 |
Level 2 ($100 deductible, $1,500 per incident limit, $8,000 annual limit, chronic condition coverage) Dog -- $26.64 Cat -- $19.13 |
| Will you be penalized for your pet aging? | No, pet owners will never see premiums increase due to pet aging. |
Yes, pet owners will see an increase in premiums as pet ages.
Example* dog:
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| Will you be penalized for filing claims? | No. | No. |
| What will cause premiums to increase? | 1. Inflationary cost of veterinary medicine in your area |
1. Inflationary cost of veterinary medicine 2. Pet aging |
