As you may know, we’re BIG fans of pet insurance here at Encina, but we’re the biggest fan of Trupanion. We make it a point to talk about pet insurance with every person who comes through the door because we know how hard it can be to come up with a large lump sum of money to treat, care or even save the life of your pet, and we don’t want anyone to not be able to help their beloved furkid.
Here’s why we love Trupanion and what you should know:
Trupanion allows you to choose how much you would like to pay a month and how much of a deductible you would like.
Example: Sally finds it easier to pay $56/month for her dog Rover, and has a deductible of $250 while John finds it harder for month to month payments so his monthly payment is only $35 with a deductible of $750.
Trupanion pays up to 90% of the bill back to you
Here is a real claim from Trupanion:
Harmony the 5-year-old mixed-breed dog recently experienced some serious health complications. She was rushed to the emergency vet for lymphocytic/plasmacytic gastroenteritis, which is a form of inflammatory bowel disease (IBD). Secondary issues with this condition were septicemia and bacterimia which are conditions in which the bloodstream becomes infected by bacteria and can be life-threatening.
Harmony was at the clinic for 6 days receiving surgery, medications, fluids, and regular monitoring. Harmony was released and we are wishing her a quick recovery.
Costs can quickly add up in an emergency situation as you will see below. It’s fortunate that Harmony’s owner had her insured so that she could take care of all the necessary veterinary treatment without cost concerns.
Total claim amount: $12,216.99
Deductible applied: $500.00
Exam fees: -$149.00
10% co-insurance: -$1159.80
Trupanion repaid: $10,411.19
Trupanion allows you to add on extra services
Reward for a lost pet, boarding for your pet should you be hospitalized, acupuncture, physical therapy, feline kidney transplants and more are available through Trupanion
Other pet insurances may give you a yearly or lifetime limit of how much they will pay out, but Trupanion doesn’t! If you’re unlucky enough to have a dog who eats everything or a cat with a chronic illness, you may find that other pet insurances will say, “ok we’ll cover you but only up until we have spent $5000; after that, you’re on your own!” but that is not the case with Trupanion.
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Pet Insurance 101 graphic created by Trupanion.