Compare Trupanion's pet health insurance policy with VPI

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Compare Trupanion pet insurance with VPI

Choosing the right pet health insurance provider and policy plan can be a daunting (and sometimes confusing) task. This pet insurance comparision guide will help you compare pet insurance companies side-by-side. Below we detail how our pet insurance policy plan compares to VPI.


Choose a pet insurance company to compare with Trupanion: VPI PetCare Petplan Pets Best ASPCA PurinaCare Embrace PetFirst

Common Policy Questions		VPI
What is covered if my 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 are some important exclusions I should be aware of?	Pre-existing conditions Hip dysplasia - optional coverage for dogs and cats enrolled before 1st birthday	Pre-existing conditions Any congenital disorder Any hereditary disorder Six Musculoskeletal disorders including: Hip dysplasia Elbow dysplasia Osteochondritis dissecans Aseptic necrosis Cervical vertebral instability Two urinary tract disorders Eleven ocular disorders Two endocrine disorders ACL damage in the 1st 12 months. Collapsed trachea Histiocytosis
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.	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) Diagnostic Testing Allowance $315 Allowance for treatment, surgery, exam, injections and hospitalization is $294 Example 2 Benefit Schedule Superior Plan: Foreign Body-Surgical (code 1205) Diagnostic Testing Allowance $236 Allowance for treatment, surgery, exam, injections and hospitalization is $1200 Allowance for anesthesia $125 Specialized diagnostic tests have individual limits with a per incident limit of $1000. Chemotherapy/radiation maximum of $1200.
What are my 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 90401. Does not include sign up or administration fees.	*Trupanion Plan with $50 Deductible* Dog -- $33.19 Cat -- $20.08	*Superior Plan with $50 deductible* Dog -- $27.75 Cat -- $20.33
Will my premium increase due to pet aging?	No, Trupanion does not penalize the pet owner with age related increases.	Yes, monthly premiums increase at each of the 14 age brackets. Age 1 -- $27.75 Age 3 -- $31.55 Age 6 -- $38.75 Age 10 -- $64.96 Age 14 -- $76.78 *Dog example premiums based on publicly available information. Actual rates may differ.
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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