Trupanion vs Petplan 2021

trupanion vs petplan

When it comes to claiming pet insurance, the first step will usually be to pay the vet clinic out of your pocket. Then, you’ll submit a claim with the insurer who will issue a reimbursement once the claim is approved.

Comparing Trupanion with Petplan, it seems that is not always the case. Trupanion happens to be the only pet insurance company with proprietary software that can pay its share at the clinic. Alternatively, Petplan will reimburse pet owners once they have already paid their veterinary bill themselves.

Choosing the right pet insurance company for your pet’s health can feel overwhelming. Here, we will compare two reputable suitors for the job.

Table of Contents

Trupanion Overview

Trupanion pet insurance has been offering support to cat and dog owners with a commitment to transparency since opening its doors in 2009.

This company is dedicated to keeping pet policies and premiums as simple as possible down to the very last detail.

Trupanion: Features

Trupanion goes above and beyond by paying veterinarians directly so you don’t have to. Its love for animals shines through with its comprehensive plan.

Pet owners can choose their annual deductibles, anywhere between $0 and $1,000. With hundreds of configuration options to choose from, there is sure to be a plan that suits everyone’s budget.

There is no question as to why Trupanion was voted one of Canada’s top pet insurance companies. Its unbelievable customer service team is always ready to support questions concerning accidents and illnesses.

Trupanion: Coverage

Trupanion promises to cover any dog and cat between the ages of eight weeks old and 14 years old.

This company is found to be slightly more expensive than the competition, but it does go above and beyond by reimbursing 90% of the costs of healing almost any of your pets’ ailments, with no restrictions to hereditary or congenital issues.

The monthly fees are based on factors that include your pets’ breed, zip code, and age at which they were enrolled.

Rates do not then change as your pet gets older. That may sound unbelievable, but it’s true. If your pet is enrolled at eight weeks old, it’ll continually be charged as an eight-week-old for its entire lifespan.

The only catch is that there’s a waiting period between the enrollment of your furry friend and when the coverage kicks in (30 days for illness claims and five days for injury claims).

Trupanion has always staffed its customer service team with hard-working pet lovers, whose goal is to ensure your four-legged best friend receives all the proper care and attention by eliminating any financial burden.

It is important to note that regular checkups and routine visits are not covered under any insurance policy. This is because the price of the deductible heavily outweighs the cost of the visit to the clinic.

Trupanion: Policies

It takes an estimated five minutes to fill out a free quote request on Trupanion’s website – this will help to find the right plan for you and your furry friend.

Simply enter in the necessary information such as your pet’s name, breed, and age. Other factors include your location, whether your pet is spayed or neutered, and whether they’re a registered working animal.

The next steps are up to you — choosing your preferred plan means calculating different copay and deductible options. The monthly fee is agreed upon once you’ve enrolled, which will be the fixed price for your pet’s lifetime.

If you have any questions, the 24-hour customer service hotline is always available. They will gladly help customize a personalized plan that financially supports your cat or dog. 

Trupanion: Accessibility

Trupanion is a dedicated animal insurance company that offers support to pet owners with a commitment to simple yet effective initiatives.

Its website is written in a way that any new pet owner can understand, including explanations defining the difference between policies and deductible costs.

The customer care department is always ready to support and ease any health-related stresses, even by paying veterinarians directly.

Trupanion: Pricing

Trupanion’s monthly fees can vary from $22 to $100 depending on whether you have a dog or a cat. Pet owners can decide on a deductible that suits their financial needs, ranging from $0 to $1,000.

The majority of animal medical insurance companies have payout limits and per-incident fees, and they eventually stop offering services after a specific number of claims have been filed.

This is where Trupanion proves how it is not like any other: it offers one comprehensive plan with customizable coverage. Deductibles are paid once per incident, ideal for ongoing health issues such as allergies.

Costs can vary by geographic location, which is why Trupanion deals with veterinarians directly. This feature helps reduce stress by having the copay paid before you leave the clinic.

And, once deductibles have been met, Trupanion can cover up to 90% of the cost of all unexpected injuries and illnesses.

Cat and dog looking at their owners

Petplan Review

Since opening its doors in 2003, Petplan has been protecting dogs and cats from life’s scary and unpredictable moments. Its highlights include coverage for dental care, which isn’t so common.

 Petplan: Features

Petplan has set the gold standard for pet insurance as the first provider to offer a lifetime coverage option while covering pets of any age without broad exclusions for genetic and ongoing conditions.

Petplan allows pet owners to decide on reimbursements between 70% and 90%, allowing them to consider their financials.

Petplan: Coverage

Petplan health insurance helps owners pay for unexpected veterinary expenses concerning accidents and illnesses.

Deductibles with Petplan range from $250 to $1,000 depending on the specific factors.

Depending on the chosen plan, payouts can be anywhere from $2,500 to unlimited.

If the family pet unexpectedly falls ill or has an accident, Petplan will help cover the bill from any accredited animal clinic.

Petplan: Policies

Petplan offers a fully customizable plan with annual deductible limits ranging from $250 to $1,000, depending on the claim, and reimbursements of 70%, 80%, or 90% of the final cost of the veterinary bill.

Emergency care is included with the plan too, however, there is a waiting period of five days for accidents and 15 days for illnesses.

As per the industry standard, costs associated with yearly routine visits to the vet are not covered.

Petplan: Accessibility

Petplan offers the most comprehensive coverage, reimbursing up to 90% of the veterinary bills from unexpected injuries and illnesses.

This one simple plan can cover the sick visit, chronic and hereditary conditions, comprehensive dental care for all teeth, and alternative care — all with no extra fees.

Petplan: Pricing

Petplan provides an insurance policy that can cost around $29 to $35 a month.

Depending on the specific factors, deductibles can range from $250 to $1,000.

This insurance company does offer two deductible options to choose from: an annual deductible or a per-condition deductible.

Remember that deductibles reset every year while monthly fees inflate.

Our Final Thoughts

Choosing between Petplan vs Trupanion is not an easy decision to make. Although Petplan offers a comprehensive dental plan, Trupanion is the pet insurance that makes the most sense in the long run, especially since its monthly policy fees do not increase every year.

Frequently Asked Questions

Healthy Paws is available in all 50 states, while Trupanion is available in both the United States and Canada. However, Healthy Paws does have a travel insurance clause that covers pets that have traveled from the United States to Canada.

Both insurance companies accept claims after seeing any reputable veterinarian, whether it is a regular visit or an emergency.

Pet insurance was popularized thanks to the famous television collie, Lassie, who was given the first North American pet policy back in 1982.

Now, 39 years later, the North American Pet Health Insurance Association (NAPHIA) states there are 12 major animal insurance companies in North America.

Each company offers competitive policies but all have the same ultimate goal: to keep your furry companions as healthy as possible.

The NAPHIA was created to maintain a consistent standard among pet insurers, keeping practices and clinics as up-to-date as possible.

Pet insurance is not mandatory, but it is designed to help absorb the financial burden in case of an accident or illness.

Veterinary bills, even for yearly checkups, are never cheap. On top of that, unexpected testing such as x-rays or blood tests can be overwhelming as your wallet gets lighter.

Pet insurance companies are around to help you make smart decisions for your pet’s health without imagining your life savings disappear.

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