| If a pet becomes sick or is injured what IS covered? |
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.
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| If a pet becomes sick or is injured what is NOT covered? |
- Pre-existing conditions
- Hip dysplasia - optional coverage for dogs and cats enrolled before 1st birthday
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- Pre-existing conditions
- Any congenital disorder
- Any hereditary condition
- Illnesses during the first 30 days of the plan
- Pre-existing and recurring illness* or injury prior to the effective date, unless 180 days have past since cure and last treatment
For Example: If your pet got cancer or arthritis in year 1, they would not be covered in year 2 unless you purchased the Sterling Plan, which covers recurring and ongoing illnesses.
*Unless you have purchased the Continuing Care Rider which gives $1,000 - $2,500 per incident coverage and a $2,500 - $6,000 lifetime limit for recurring illnesses.
- Diagnosis, treatment or surgery related to Anterior Cruciate Ligament (ACL) or Cranial Cruciate Ligament (CCL) damage that occurs or is symptomatic within 12 months of the effective date of certificate.
- Multiple incidents (more than one) of foreign object ingestion in a 12 month period.
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| 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.
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| Deductible |
$0, but can be increased in $5 increments to lower monthly premiums. |
$100 annual deductible |
| Amount Paid |
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
Plan Name
Quote by various states for Labrador Retriever dog and Domestic Short Hair cat both under 1 year old.
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Trupanion Plan with $500 deductible
*Policy includes coverage for congenital and hereditary disorders
Dog -- $24.08
Cat -- $14.83 |
Primary Plan with $100 deductible
Dog -- $20.12
Cat -- $14.38 |
| 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:
- Age 1 -- $20.12
- Age 9 -- $25.15
- Age 12 -- $30.18
*Does not account for increase in premiums due to inflation. |
| Will you be penalized for filing claims? |
No. |
No. |
| What will cause premiums to increase? |
- Inflationary cost of veterinary medicine in your area
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- Inflationary cost of veterinary medicine
- Pet aging
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