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| PET INSURANCE PROVIDERS |
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When costs may go beyond reasonable financial means, many pet owners are forced to euthanize their pet or incur burdensome debt.
The pet insurance industry has made policies available that help to reduce premiums which makes pet insurance a viable option.
The American Animal Hospital Association (AAHA) has established a "Seal of Acceptance" for pet health insurance policies that meet certain criteria. The seal is awarded only to those pet insurers meeting strict AAHA standards.
The insurance companies listed below have received the AAHA "Seal of Acceptance".
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| General Information |
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Trupanion |
PurinaCare |
Pets Best Insurance |
Healthy Paws
Pet Insurance |
Veterinary Pet
Insurance (VPI) |
Petplan |
Name of Policy |
Trupanion Plan |
PurinaCare without Preventive Care |
Pets Basic; Pets First; Pets Premium |
Healthy Paws
Pet Insurance |
VPI Major Medical
and Medical Plans |
Bronze; Silver; Gold; Platinum |
Address |
1148 NW Leary Way
Seattle, WA 98107 |
PO Box 599500 San Antonio, TX 78258 |
2710 Sunrise Rim Rd #100
Boise, ID 83705 |
PO Box 50034
Bellevue, WA 98015 |
PO Box 2344
Brea, CA 92822
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1 International Plaza, Suite 140
Philadelphia, PA 19113 |
Phone Number |
800-569-7913 |
877-878-7462 |
877-738-7237 |
800-453-4054 |
877-263-5997 |
866-467-3875 |
Website |
www.trupanion
petinsurance.com |
www.purinacare
.com |
www.petsbest
.com |
www.healthypaws
petinsurance.com |
www.petinsurance
.com |
www.gopetplan.com |
Licensed in |
KS, MO, and Selected Other States |
All US States and District of Columbia |
All US States |
All US States |
All US States and District of Columbia |
All US States |
Years selling
policies |
0-5 years |
0-5 Years |
0-5 Years |
0-5 Years |
Over 25 Years |
Over 25 Years | |
| Costs & Limits |
Back to Top |
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Trupanion |
PurinaCare |
Pets Best Insurance |
Healthy Paws
Pet Insurance |
Veterinary Pet Insurance (VPI) |
Petplan |
Deductible |
$500 to $1,000 |
$500, $1000 |
$500 |
$500 |
$500 or $1,000 |
$500 |
Copay |
10% |
20% |
20% |
10%, 20% or 30% |
None |
0%, 10%, 20%, or 30% |
Payout caps/limits |
Lifetime limits |
$20,000 per year |
Lifetime limits; Per-incident limits |
Lifetime limits, $25,000 per pet |
$14,000 per year; see company website for more details |
$8,000-$25,000 per year, depending on coverage level |
Premium |
Depends on breed, geographic location and deductible |
Varies by species, breed, deductible, age, and location |
Varies by species, deductible and plan |
Varies by age, breed, zip code, co-insurance and deductible |
Varies by state, species, age, size, deductible and plan |
Varies by coverage, breed, age, and location | |
| Getting Started & Renewing |
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Trupanion |
PurinaCare |
Pets Best Insurance |
Healthy Paws
Pet Insurance |
Veterinary Pet Insurance (VPI) |
Petplan |
Age limits for eligible
pets |
Yes, new policies only |
Over 8 weeks - no maximum age |
Over 7 weeks - no maximum age |
Yes, for new policies only |
Yes, for new policies only |
No |
Ineligibility factors |
Species; Pre-existing conditions; Pet's activity level or occupation |
Pets with some chronic conditions are ineligible for coverage |
Dogs and Cats Only |
Pet's activity level or occupation (service animal, sporting animal, show pet, etc). |
Pets with some serious pre-existing diseases |
Pre-existing conditions are not covered |
Apply online |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Application review timeframe |
1 day |
1 day |
Immediate |
Immediate |
1 day |
1 day |
Pay premiums online |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Eligibility determined prior to first payment |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Waiting period before coverage begins |
5 days for accidents, 30 days for illnesses |
48 hours for accidents and 14 days for illness |
3 days for accidents; 14 days for illness |
15 days for accidents and illness; 12 months for illness related to hip dysplasia |
14 days for most conditions; please see company website for details |
24 hours for accidents and injuries; 14 days for illness |
Waiting period applies to |
Accidents or injuries;
Chronic conditions;
Genetic conditions;
Illnesses |
Accidents and Illnesses |
Accidents or injuries, chronic conditions, genetic conditions, illnesses, holistic care, medications |
Accidents or injuries, chronic conditions, genetic conditions, illnesses, medications |
Accidents or illnesses |
Accidents or injuries; illness |
Penalties for revising the policy prior to renewal |
No |
No |
No |
No |
No |
No |
Penalties for canceling the policy prior to renewal |
No |
No |
No |
No |
No |
No |
Company may cancel or deny renewal |
Yes, Non-payment only; see website for details |
Yes, due to failure to pay premium or fraud |
Yes, please see website for details |
Can cancel due to failure to pay premium |
Can cancel due to failure to pay premium or fraud |
Can cancel or deny renewal for non-payment of premium or fraud | |
| Policy Process |
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Trupanion |
PurinaCare |
Pets Best Insurance |
Healthy Paws
Pet Insurance |
Veterinary Pet Insurance (VPI) |
Petplan |
Payment for services rendered |
Pet owners pay in full for veterinary service when it is rendered and submit claims directly to the insurance company |
Yes, no benefit schedule or per incident limit |
Pet owners pay in full for veterinary service when it is rendered and submit claims directly to the insurance company |
Pet owners pay in full for veterinary service when it is rendered and submit claims directly to the insurance company |
Pet owners pay in full for veterinary service when it is rendered and submit claims directly to the insurance company |
Pet owners pay in full for veterinary service when it is rendered and submit claims directly to the insurance company |
Submit claims online |
No |
No |
Yes |
Yes |
Yes |
No |
Claim submission timeframe |
Within 90 days of incident |
Within 60 days of end of policy |
180 days |
Within 90 days of the date of treatment |
Within 1 year of treatment date; timeframe may vary by state |
Within 90 days of the incident |
Reimbursement timeframe |
Fewer than 30 days |
Estimated to be within 14 days of receipt of a complete claim |
Less than 10 days |
Within 7 days |
Within 5-10 business days of receiving completed claim form |
Within 7 days of receiving complete claim |
Customer service |
Live customer service via telephone; Online help page and FAQ |
877-878-7462 |
Live customer service via telephone and online chat; Online help page and FAQ |
Live customer service via telephone; Online help page and FAQ |
Live customer service via telephone, email, online help page, policyholder portal and FAQ |
Live customer service via telephone and email; Online help page and FAQ |
Appeals process for disputed claims |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Reimbursement based
on actual cost or schedule of usual and customary fees |
Actual Cost |
Actual Cost |
Actual Cost |
Actual Cost |
100% of eligible veterinary fees up to the benefit schedule allowance |
Actual Cost |
Schedule of usual and customary fees available |
N/A |
N/A |
No |
No |
N/A |
N/A | |
| Coverage |
Back to Top |
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Trupanion |
PurinaCare |
Pets Best Insurance |
Healthy Paws
Pet Insurance |
Veterinary Pet Insurance (VPI) |
Petplan |
Species covered |
Dogs and Cats |
Dogs and Cats |
Dogs and Cats |
Dogs and Cats |
Dogs and Cats |
Dogs and Cats |
Preventive and wellness care in excess of the deductible covered |
No |
No |
Please see company's website |
No |
Optional wellness coverage available with no deductible |
No |
Ill or injured pets covered |
While traveling in the U.S.; While traveling outside the U.S.; While being boarded; While being groomed |
Yes, subject to underwriting |
Offers universal coverage; anywhere, any time |
While traveling in North America; While being boarded or groomed |
Offers universal coverage; anywhere, any time |
Offers universal coverage; includes full coverage for all hereditary, congential and chronic conditions |
Conditions subject to limits or exclusions |
Pre-existing conditions; see website for details |
Pre-existing conditions excluded, see website or policy for details. |
Pre-existing conditions; Genetic or hereditary conditions |
Pre-existing conditions; illness related to hip dysplasia for pets that are 6 years or older at time of enrollment; all other hereditary and genetic conditions are covered |
Pre-exising conditions and certain hereditary conditions; see website for details |
Pre-existing conditions |
Services covered |
All diagnostic tests, surgeries and medications if pet is sick or injured. |
All diagnostic tests, surgeries and medications if pet is sick or injured. See policy or website for details. |
Anesthesia; Diagnostics - Blood work, laboratory tests, radiographs, ultrasounds, other diagnostic imaging; Holistic care (acupuncture, chiropractic); Prescribed medications; Rehabilitation and physical therapy; Specialty care; Surgery - nonelective, pre/post ICU, follow-up care; Wellness exams |
Anesthesia; Diagnostics - Blood work, laboratory tests, radiographs, ultrasounds, other diagnostic imaging; Prescribed medications; Rehabilitation and physical therapy; Specialty care; Surgery-nonelective, Surgery-elective, pre/post ICU, follow-up care |
Anesthesia; Diagnostics - Blood work, laboratory tests, radiographs, ultrasounds, other diagnostic imaging; Prescribed medications; Rehabilitation and physical therapy; Specialty care; Surgery - nonelective, pre/post ICU, follow-up care |
Anesthesia; Diagnostics - Blood work, laboratory tests, radiographs, ultrasounds, other diagnostic imaging; Holistic care (acupuncture, chiropractic); Prescribed medications; Rehabilitation and physical therapy; Non-routine dental care; Oncology (including chemo and radio therapy); Approved stem cell therapies; Specialty care; Surgery - nonelective, pre/post ICU, follow-up care | |
| Specialty Care |
Back to Top |
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Trupanion |
PurinaCare |
Pets Best Insurance |
Healthy Paws
Pet Insurance |
Veterinary Pet Insurance (VPI) |
Petplan |
Referral required to
claim specialist services |
No |
No |
No |
No |
No |
No |
Emergency or critical care service limits or exclusions |
No |
No, subject to deductible, co-insurance and annual limit |
No |
No |
No |
No |
Specialists or referral practice limits or exclusions |
No |
No, subject to deductible, co-insurance and annual limit |
No |
No |
No |
Yes, 20% specialist co-pay unless emergency care |
Repeated services for
the same incident/
ailment limits or exclusions |
No |
No, subject to deductible, copay and annual limit |
No |
No, if they are medically necessary |
No |
No |
Reimbursement based
on actual cost or schedule of usual and customary fees for specialty care |
Acutal Cost |
Actual Cost |
Actual Cost |
Actual Cost |
100% of eligible veterinary fees up to the benefit schedule allowance |
Actual Cost | |
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