Choosing a Provider

Make the Right Decision

It may seem like a lot to consider, but choosing the right pet insurance company and the best policy for you and your pet is easy if you have the right information.

Choosing the Provider and Plan

Check out the American Animal Hospital Association’s (AAHA) Criteria for Choosing the Right Pet Insurance Provider

When the cost of quality medical care exceeds the family budget, pet owners are forced to incur burdensome debt or even euthanize their pets. For more than 70 years, the American Animal Hospital Association (AAHA) has been committed to saving pets’ lives. We do not want any pet to face euthanasia, a compromised quality of life or even death resulting from an unrelated illness or injury simply because veterinary costs, and we believe high deductible pet health insurance is an excellent way to prevent that from happening.

When choosing a Provider and Plan, AAHA suggests that pet owners consider the following criteria:


A provider may offer many different pet health insurance plans and policies. Be sure to ask for those that bear the AAHA Seal of Acceptance. This means that they are high-deductible plans that meet the AAHA Criteria for Approval.

Trupanion is the first Pet Insurance Plan to earn the AAHA Seal of Acceptance.

As you begin to think about pet health insurance, ask your veterinarian if he or she prefers any particular provider. Also, ask your veterinarian which illnesses are most likely to afflict pets like yours. Then contact at least three different pet health insurance providers and research the various policies offered. Be sure to investigate coverage for the illnesses your veterinarian said could affect your pet.

Trupanion makes it easy for your veterinarian to recommend us because all illnesses (including hereditary and congenital disorders) are covered. For your convenience you can compare Trupanion coverage with other Companies by clicking here.

Be sure to factor co-pay requirements; deductibles; annual, per-incident, annual, and/or lifetime caps; policies and caps on pre-existing, genetic and/or hereditary conditions; and age related premium increases into your decision-making.

Trupanion makes it easy to understand, assess, and enroll. Here’s a breakdown of the factors to consider:

  • Co-Pay requirements – On all covered claims We pay 90%...You Pay 10%
  • Deductibles - We do not impose deductibles…it’s optional from $50 to $1,000
  • Per incident Cap - None
  • Annual Cap - None
  • Lifetime Cap - Currently $20,000-Cap will periodically increase to reflect increase in costs of veterinary medicine
  • Genetic and Hereditary Conditions - Covered
  • Age related rate increases - None
  • Pre-existing conditions - Not Covered