Trupanion Pet Insurance – Right Coverage for Your Dog &Cat
Pet owners love and care for their pets and they are always worried about their health. A good pet insurance can be of great help when it comes to meeting health needs and wellness. Trupanion pet insurance is a good choice and it offers insurance cat and dog that provides 90% of veterinary charges. You can have an option of deductible if you want. Here we will discuss on Trupanion Pet insurance coverage details, reviews, their best plans, costs, claim form, comparison chart, how to get activate certificate and promo code.
The pet insurance includes coverage to hereditary, congenital and chronic disorders besides general illness and health conditions. Following give is some details that will help you decide on right pet insurance that meets health care needs of your pet.
Main Features of Trupanion
Trupanion Express: This is a very useful feature. If you are getting treated your pet from a Trupanion partner veterinarian, then the veterinarian get direct payment and you don’t have to pay first for the charges and then apply for the reimbursement. This is very beneficial especially when you are running short of money.
No deductible: The standard coverage is always deductible free even if you choose to pay a deductible and get a lower premium. With this feature, you have to pay only 10% charges which are under the 90% insurance coverage.
Coverage for hereditary and chronic conditions: Trupanion insurance covers your pet for a hereditary or chronic condition. It doesn’t cover the pre-existing conditions. You make sure that you get a thorough veterinary examination done prior and keep a record of it when you signup.
Actual cost reimbursement: It means you will be reimbursed 90% of the actual cost of veterinary treatment done to your pet rather than apre-set or an estimated cost. There is no limit to the pay amount, you will be paid any charges incurred.
No Limits: There is no limit on benefits per incident coverage if the pet gets ill or injured and treated. Very few insurance provider offers unlimited number of incidents and you never know how often your pet will need medication or some other veterinary services. If there is a serious injury or illness, you might have to go through surgeries, frequent visit to veterinarians, medications etc. and in such situation, unlimited policy can be of great help.
The Trupanion insurance plans don’t cover preventative care such as vaccinations. The premium offered is very low. The insurance policies are very simple and provide coverage to dogs as well as cats. You can cancel your insurance policy anytime. Usually, you get reimbursement in a period of week once you make a claim. The Trupanion insurance for a pet covers for diagnostic tests, medications, surgeries, hospital stay, therapeutic food, supplements given, hereditary conditions etc. Some of the States charge sales tax varying for different States between 1% to 10% on veterinary services and medications.
Trupanion provides a basicinsurance simply without going through any hassles and offers benefits of direct payment. It provides insurance policy at a very cheap rate. If you want to cover preventative care and dental cover, then you have to get insurance from some other pet insurance provider as Trupanion doesn’t cover this.
Various Deductible Options
Trupanion is very flexible and allows you to select how much you want to pay for your per-incident deductible. It will also let you choose whether you would like to pay a deductible or not. Any amount varying from $0 to $1,000 in $5 increments can be chosen. There is hardly any insurance provide that will let you select no deductible at all or an amount as high as $1000.
Optional Coverage Packages Offered
If you are looking for an insurance that offers additional coverage to the basic levels, you have an option of Trupanion an Additional Care Package. This covers behavioural therapy,holistic treatments or even advanced treatments such as stem cell therapy. How much extra you will have to pay depends on the age of the pet and some other factors. You can ask for a quote to find out how it fits your budget. There is an optional package offered by Trupanion known as the Pet Owner Assistance Package. This package covers pet boarding fees, cremation or burial expenses as well as if your pet gets lost or stolen, you will also get advertising and reward money .
Coverage for working pets
Trupanion offers insurance for all types of working pets that even includes hunting dogs, search and rescue dogs, breeding dogs etc. There is an additional fee to be paid for this, but it is worth it.
If you want a solid insurance policy at a cheaper rate, you can definitely take insurance for your pet from Trupanion. The insurance policies offered by it are very flexible and offers good coverage options but wellness protection.