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Choose a pet insurance company to compare with Trupanion:
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VPI |
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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). | Conditions that are within a primary diagnostic code listed on VPI's "Benefit Schedule". |
| 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. |
Each condition is eligible for payment under only one primary diagnostic code found in the "Benefit Schedule" and any applicable secondary diagnostic code, per incident. Repeat claims are subject to annual limits per primary diagnostic code.
Example 1 Benefit Schedule Superior Plan: Congestive heart Failure (code 1107)
Example 2 Benefit Schedule Superior Plan: Foreign Body-Surgical (code 1205)
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| What are the deductible options? | You can choose to have no deductible or choose between $50 and $1000. | $50 per incident |
| 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. | 90% of the lesser of actual veterinary charges or VPI's "Benefit Schedule" after the per incident deductible is met. |
Monthly Cost Example
Quote for Labrador Retriever Dog and Domestic Shorthair Cat, under 1 year old in Santa Monica, California. |
Trupanion Plan with $50 Deductible Dog -- $33.19 Cat -- $20.08 |
Superior Plan with $50 deductible Dog -- $27.75 Cat -- $20.33 |
| Will you be penalized for your pet aging? | No, pet owners will never see premiums increase due to pet aging. |
Yes, monthly premiums increase at each of the 14 age brackets.
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 |
