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Choose a pet insurance company to compare with Trupanion:
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| Common Policy Questions |  |
Embrace |
| What is covered if my pet is sick or injured? | All diagnostic tests, surgeries, and medications (including hereditary and congenital disorders). | All diagnostic tests and surgeries (including hereditary and congenital disorders). |
| What are some important exclusions I should be aware of? |
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| What are the policy payout limits? | Currently $20,000 over the life of your pet, with no limits per year, claim, illness, procedure, or condition. | Annual limit $2,000, $5,000 or $10,000, depending on choice. |
| What are my deductible options? | You can choose to have no deductible or choose between $50 and $1000. | $100, $200, or $500 annual deductible, depending on choice. |
| 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. | 65%, 80% or 90% of usual, customary, and reasonable veterinary costs, depending on plan choice. |
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Monthly Cost Example
Quote for Labrador Retriever Dog and Domestic Shorthair Cat, under 1 year old in Santa Monica, California 90401.
Does not include sign up or administration fees.
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Trupanion Plan with $100 Deductible Dog -- $32.06 Cat -- $19.42 |
Custom Policy (90% coverage, $100 Deductible, $15,000 annual limit, and RX Options) Dog -- $93.09 Cat -- $61.55 |
| Will my premium increase due to pet aging? | No, Trupanion does not penalize the pet owner with age related increases. | Yes, rates will increase as pet ages. |
| What will cause my premium to increase? | 1. Inflationary cost of veterinary medicine in your area |
1. Inflationary cost of veterinary medicine in your area 2. Pet aging |
| Will I be penalized for filing claims? | No. | No. |
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