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Relevant to Dogs Relevant to Cats Relevant to Exotics Relevant to Small Mammals

Pet Insurance Buyer’s Guide: AAHA Seal of Acceptance

(please note: additional policies will be added to the list as they earn the seal)

General Info

 
Trupanion
PurinaCare
Petsecure
Pets Best Insurance
Healthy Paws
Pet Insurance
Veterinary Pet Insurance (VPI)
Name of Policy
 Trupanion Plan PurinaCare without Preventive Care Petsecure Pet Health Insurance Pets Basic; Pets First; Pets Premium Healthy Paws Pet Insurance VPI Major Medical and Medical Plans
Address
 1148 NW Leary Way
Seattle, WA 98107		 PO Box 599500, San Antonio, TX 78258 200-1200 Portage Ave., Winnipeg, MB R3G OT5 2710 Sunrise Rim Rd #100, Boise, ID 83705
PO Box 50034,
Bellevue, WA 98015
PO Box 2344
Brea, CA 92822

 

Phone Number
 800/569-7913 877/878-7462 800/268-1169 877/738-7237 800/453-4054 877/263-5997
Website
 www.trupanionpet
insurance.com		 www.purinacare
.com		 www.petsecure
.com		 www.petsbest
.com		 www.healthypawspetinsurance.com www.petinsurance.com
Licensed in

AL, AR, AZ, CA, CO, FL, GA, IA, IL, IN, KS, KY, MA, MD, MI, MN, MO, MT, NC, ND, NJ, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV

All Canadian Provinces and Territories

 All US States except FL All Canadian Provinces and Territories All US States All US States All US States and District of Columbia
Years selling policies
 0-5 years 0-5 Years Over 20 years 0-5 Years 0-5 Years  Over 25 Years

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Costs & Limits

 
Trupanion
PurinaCare
Petsecure
Pets Best Insurance
Healthy Paws
Pet Insurance
Veterinary Pet Insurance (VPI)
Deductible
 Per incident $0-$1,000; see website for details $100, $250, $500, $1000 Three options to choose from ranging $100-$900 depending on pet’s age and plan $100, $250, $500 $50, $100, $250, $500 annual deductible $100, $250, $500 or $1,000
Copay
 10% 20% 20% 20% 10%, 20% or 30% None
Payout caps/limits
 Lifetime limits $20,000 per year $1,000-unlimited amount per year, depending on coverage level Lifetime limits; Per-incident limits Lifetime limits, $25,000 per pet $14,000 per year; see company website for more details
Premium
 Depends on breed, geographic location and deductible Varies by species, breed, deductible, age, and location Based on postal code, breed, coverage level and deductible 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

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Getting Started & Renewing

 
Trupanion
PurinaCare
Petsecure
Pets Best Insurance
Healthy Paws
Pet Insurance
Veterinary Pet Insurance (VPI)
Age limits for eligible
pets
 Yes, new policies only Over 8 weeks - no maximum age Over 8 weeks - no maximum age Over 7 weeks - no maximum age Yes, for new policies only  Yes, for new policies only
Ineligibility factors
 Species; Pre-existing conditions; Pet’s activity level or occupation Pets with some chronic conditions are ineligible for coverage Species; Pre-existing conditions Dogs and Cats Only Pet’s activity level or occupation (service animal, sporting animal, show pet, etc). Pets with some serious pre-existing diseases
Apply online
 Yes Yes Yes Yes Yes     Yes 
Application review timeframe
 1 day 1 day 1 day Immediate Immediate  1 day 
Pay premiums online
 Yes Yes No 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 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
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, holistic care, medications Accidents or injuries, chronic conditions, genetic conditions, illnesses, medications Accidents or illnesses
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  Can cancel 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

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Policy Process

 
Trupanion
PurinaCare
Petsecure
Pets Best Insurance
Healthy Paws
Pet Insurance
Veterinary Pet Insurance (VPI)
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 No Yes Yes Yes
Claim submission timeframe
 Within 90 days of incident Within 60 days of end of policy Within 6 months of the date of treatment 180 days Within 90 days of the date of treatment Within 1 year of treatment date; timeframe may vary by state
Reimbursement timeframe
 Fewer than 30 days Estimated to be within 14 days of receipt of a complete claim Within 5-10 business days of receiving completed claim form Less than 10 days Within 7 days Within 5-10 business days of receiving completed claim form
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 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
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 Actual Cost 100% of eligible veterinary fees up to the benefit schedule allowance 
Schedule of usual and customary fees available
 N/A N/A No No No N/A 

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Coverage

 
Trupanion
PurinaCare
Petsecure
Pets Best Insurance
Healthy Paws
Pet Insurance
Veterinary Pet Insurance (VPI)
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 Yes, deductible is applied to preventive care, then we pay 80% Please see company’s website No Optional wellness coverage available with no deductible 
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 While traveling in Canada and United States; While being boarded or groomed Offers universal coverage; anywhere, any time While traveling in North America; While being boarded or groomed Offers universal coverage; anywhere, any time
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 are excluded, see website 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
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; 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; 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

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Specialty Care

 
Trupanion
PurinaCare
Petsecure
Pets Best Insurance
Healthy Paws
Pet Insurance
Veterinary Pet Insurance (VPI)
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  No 
Repeated services for
the same incident/
ailment limits or exclusions
 No No, subject to deductible, copay and annual limit No No No, if they are medically necessary No
Reimbursement based
on actual cost or schedule of usual and customary fees for specialty care
 Acutal Cost Actual Cost Actual Cost Actual Cost Actual Cost 100% of eligible veterinary fees up to the benefit schedule allowance

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Note: All content provided on HealthyPet.com, is meant for educational purposes only on health care and medical issues that may affect pets and should never be used to replace professional veterinary care from a licensed veterinarian. This site and its services do not constitute the practice of any veterinary medical health care advice, diagnosis or treatment.
 

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