Trupanion

What Sort of Plans Does Trupanion Offer?

If you have a cat or dog and want to get some pet insurance for them, Trupanion has a plan for you. Trupanion boasts being able to provide up to 90% coverage for most conditions. Whether your pet has a hereditary disease, congenital disease, or what they have is yet to be identified, Trupanion will cover it.

Trupanion can help you pay for things like hip dysplasia which is common in many larger breeds. It will also help with the cost of diabetes, respiratory infections and thyroid problems. Trupanion will be there when your pet has heart disease, cataracts, liver disease and problems with their nervous system.

If your dog or cat suddenly gets sick and is vomiting, coughing, has diarrhea or losses a lot of weight suddenly and you don’t know yet what the cause is, Trupanion will cover the cost of diagnostics to find out what is going on with your little friend’s health.

What’s it like Filing a Claim with Trupanion?

Trupanion uses a unique system for filing claims that takes all the effort and hassle out of it for you. If your vet accepts it, it can mean a truly easy claim filing experience. This system is called Vet Direct Pay and the bulk of the work is done between the vet and Trupanion. You have no paperwork to file except to sign a couple of forms.

If your vet doesn’t accept Vet Direct Pay, that’s too bad but all is not lost. You can simply fill out a form online and submit your claim that way.

Then a Trupanion claims specialist will review your claim by working with your vet and looking through your pet’s medical history. They will then determine what is eligible for coverage based on your policy and pet’s medical history.

Once your claim is approved, you will be notified by email and you will be paid in one of three ways. Either your vet accepts Vet Direct Pay and no money is passed between you and the vet but Trupanion pays the vet directly, or you get a direct deposit into your bank, or you get a check in the mail.

Your claim is only denied if one of three things happened. Either your claim was incomplete, your claim was deemed for a pre-existing condition, or it was for a policy exclusion such as grooming or routine checkups.

Can I trust Petplan?

Petplan’s been around for a while. They know what they’re doing. The best steps to take to ensure you’re choosing a good pet insurance provider are to check consumer reviews and see what sort of recognition they’re getting from trade organizations. Petplan has excellent customer reviews across a variety of consumer websites. You can look at their facebook reviews alone and see that they’ve garnered the trust of a lot of pet parents. Their innovative approach to pet insurance have gotten them attention in magazines like Forbes, Inc, Bloomberg, and Financial Times. They’ve also got partnerships with the Humane Society, PAWS, AARP and more. Petplan has gotten a lot of good attention from a lot of places. This should help you feel confident in their service.

Can I Trust Trupanion?

The simplicity of Trupanion makes them very transparent. They offer one plan for every pet and cover 90% of all approved claims once you have paid your deductible of choice. And the fact that they offer a choice of deductible puts the cost of your plan in your hands. A higher deductible will mean a lower monthly cost but a lower deductible will mean less of a payout when an emergency actually arrives.

But you don’t have to worry about having reached a limit, as there are no caps to the amount of coverage your pet gets. They also have 24/7 customer service available because you never know when an emergency will arise.

Should I Consider Trupanion?

If you like the idea of having pet insurance that gives you the option of paying directly to your vet, then Trupanion is for you. If you want to be reimbursed based on how much you pay, not on an average, Trupanion is for you. If you want a plan that is simple, honest, and reliable, Trupanion is for you.