You don't want cheap insurance
Your pet has the best of everything — premium food, a plush bed, and high-quality toys. So why would you settle for an insurance company that cuts corners just to cut costs, or play the odds by gambling with a pet savings account?
Thankfully, you didn’t settle — you chose Trupanion, where your pet is protected for life with the most robust coverage out there. Want to see that promise in action?
Scroll down to meet Havoc and Murphy – and to see why other insurance options out there (and even a pet savings account) are all bark and no bite.
Havoc
Murphy
Meet Havoc the fabulous Frenchie
Meet Havoc! This young, sassy French Bulldog appreciates the finer things in life, and loves showing off his newest sweater or bow tie on his afternoon walks in Central Park, NY. He lost the spring in his step, though, when he started scratching and sneezing constantly — both signs of pesky allergies. Here’s how his story plays out with budget pet insurance, and then with Trupanion...
Havoc has budget pet insurance.
Havoc’s parents love spoiling him with trendy outfits and cute toys, so they figured they could save some money with a cheap insurance plan. “After all,” they thought, “he’s a young, healthy pup — what could go wrong?" They did some quick research and picked a plan with a low monthly cost, an annual deductible, and an annual cap of $10,000, thinking it was the smart, budget-friendly choice…
What if Havoc had Trupanion? Swipe to to find out.
Havoc has Trupanion!
Havoc’s parents wanted to give their pup the best of everything, so after careful research, they chose the insurance that offered the best value — Trupanion. Although their monthly cost was higher, they knew they’d save money down the road thanks to Trupanion’s unlimited payouts and lifetime, per-condition deductibles. And with VetDirect Pay™, they’d only ever need to pay their portion of the bill — no matter how expensive it was.
Swipe to see how Trupanion deductibles work.
Don’t get stuck paying annual deductibles year after year!
Thanks to 25 years of experience and our close relationships with veterinarians, Trupanion’s coverage is designed to give discerning pet parents the best possible value. Our data shows that most pets have 3-5 separate, recurring conditions throughout their lives. So rather than pay off new deductibles year after year, you only pay them once for each condition —and then that condition is covered for the rest of your pet’s life. Talk about a good deal!
Havoc goes to the vet — and his parents pay upfront.
Just after his first birthday, poor Havoc started scratching and sneezing constantly, and his watery eyes made him look like he was always crying. His veterinarian soon confirmed what his parents already suspected — Havoc had allergies, and they’d need lifelong treatment.
His veterinarian prescribed a special diet and immunotherapy medication, and Havoc’s parents put the entire bill on their credit card. When they got home, they spent an hour researching the claims process and submitting all their receipts. They assumed they’d be reimbursed after meeting their deductible…
Swipe to keep reading.
Havoc goes to the vet — and his parents focus on his recovery!
After meeting with their veterinarian, Havoc’s parents were thrilled to learn that the staff could submit Havoc’s invoice to Trupanion for them using VetDirect Pay™. It was approved in seconds!
Havoc's family only paid their portion of the bill, which included Havoc’s exam fee, their 10% coinsurance, and their one-time, per-condition deductible for allergies. Then they all went home, where Havoc’s parents doted on him for the rest of the night.
Havoc loses his coverage — and then his sweater budget.
Havoc’s new medication and diet made a world of difference, and he was soon back to his sassy, mischievous ways. His parents thought everything was fine, until they got their first renewal notice a year later — and were shocked to discover that their insurance was cutting them off! None of Havoc’s expensive allergy treatments would be covered going forward.
Furious, they dug into the fine print and realized that any claims they submitted could be considered ‘pre-existing’ — and therefore not covered — every year when their policy was renewed. Plus, their coverage could actually be canceled at any time with just 10 days' notice.
Since Havoc’s chronic allergies were now a pre-existing condition, they’d have to pay out of pocket for the rest of his life, which could add up to tens of thousands of dollars. As Havoc’s parents reviewed their budget to see where they could make cuts, they realized that their ‘budget-friendly’ pet insurance wasn’t so cost-effective after all…
Swipe to keep reading.
Trupanion covers Havoc’s allergies for life.
After a year, Havoc’s parents got their first Trupanion renewal notice — and besides a moderate price increase reflecting inflation and the changing costs of care, everything else stayed the same.
Havoc’s parents never had to worry about losing coverage or other unexpected surprises hidden in the fine print. And best of all, Havoc’s parents could rest easy knowing that his ongoing allergy claims — along with any other unexpected illnesses or injuries — would be covered quickly and easily for the rest of his life.
Swipe to see what unlimited coverage looks like.
Your pet can sneeze all they want!
One Trupanion member took their dog to the vet 396 times for allergies. Yep, you read that right – 396 allergy visits over their pet’s lifetime! And Trupanion covered a single allergy invoice of $43,950 for another pet.
Your pet’s medical care should never be cut off due to arbitrary payment caps or random calendar dates. Only Trupanion coverage is built for your pet’s entire life, so you can have lasting peace of mind — and the best value available.
The Trupanion Difference
Don’t let a budget insurance plan wreak havoc on your finances! As the saying goes, you get what you pay for — and those pet insurance plans with low monthly costs just don’t have the coverage your pet really needs.
Your insurance is meant to be used when you need it, and you want a plan that will actually be there for you and your pet — for your pet’s entire life.
Let’s keep your pet protected, together.
Reach out anytime at 888.959.9163 — we're available 24/7/365.
Just like you, we’re all about providing the best for your pet. With VetDirect Pay™, no payout limits, and our lifetime per-condition deductible, you can rest assured that you’re getting the best value and the highest-quality coverage available. Stick with us to make sure your pet has top-notch protection — now and for the rest of their lives.
Let’s keep your pet happy and healthy together! Check out our pet parenting resources.
Walk through another story:
Meet Murphy
Havoc and Murphy are fictional — and their stories and claims are hypothetical based on thousands of real-life experiences that we hear about daily from our members and veterinary partners.
Meet Murphy the gluttonous Golden
Meet Murphy! True to her name, if something could go wrong, she’d find a way to make it happen. This Golden Retriever gal has always seen the world as one big buffet. A fallen piece of toast, a stray sock, even the occasional plastic bottle cap — if it fit in her mouth, it was fair game. One chilly autumn evening, though, Murphy outdid herself — and her antics landed her in the emergency room. Here’s how Murphy fares with a savings account and then with Trupanion…
Murphy has a savings account.
Knowing Murphy’s penchant for street snacks, her parents were always vigilant — every month they’d diligently set aside $100, assuming they’d have plenty of time to save before needing to use the funds. After all, Murphy isn't even three years old yet!
One night, after hearing the unmistakable sound of Murphy gagging in the living room, that theory was put to the test. This was different from usual, and they knew she needed help right away.
Would the $3,400 in their savings account be enough to cover what came next?
What if Murphy had Trupanion? Swipe to to find out.
Murphy has Trupanion!
Her parents had signed Murphy up with Trupanion when she was just a puppy, wanting total peace of mind and the ability to always say “yes” at the vet when her health was on the line. As they loaded Murphy into the car, they weren’t thinking about the cost — only about getting her the help she needed.
Murphy's parents face an unexpectedly high estimated bill.
At the emergency vet, Murphy was whisked into an exam room. After an initial assessment, the veterinarian delivered the news: X-rays showed a foreign object lodged in her intestines. She needed surgery immediately.
The estimate was a staggering $3,304. This would wipe out nearly all of their savings account. Still, they had no choice.
Swipe to keep reading.
Murphy’s parents don’t need to pay upfront for any covered costs.
The estimate was higher than they’d ever imagined, though Murphy’s parents didn’t hesitate for a second. Trupanion paid their veterinarian directly, and they didn’t have to think of ways to pay upfront or wait for reimbursements after the fact. For once, money didn’t have to be part of the conversation. As the veterinarian was explaining the next steps, their entire focus was on Murphy.
Murphy’s emergency fund runs low.
After two agonizing hours, the veterinarian returned with news: Murphy was going to be okay. A whole sock had been removed from her intestines, and she was expected to recover fully.
Murphy came home later that evening — groggy, but alive. Her parents were deeply relieved, though the financial toll weighed heavily. Nearly 3 years of savings had evaporated in a single night, and they knew they had gotten lucky. If the bill had been just a little higher, or if another emergency came up tomorrow, they’d have nothing to fall back on. As Murphy slowly healed, the ‘what ifs’ kept gnawing at them. They’d made it through this time, and they couldn’t shake the feeling that next time, they might not be so lucky.
Swipe to keep reading.
Trupanion covers Murphy's shenanigans throughout her lifetime.
When they finally brought Murphy home, there was no financial stress on their minds — just gratitude that their coverage allowed them to act fast, without worry.
As Murphy recovered, her parents felt reassured. Trupanion had done exactly what they’d hoped. It eliminated the financial burden so they could focus on what mattered most: helping Murphy get back to her usual spunky self.
The Trupanion Difference
Murphy’s story had a happy ending in both scenarios, but the journey looked very different. Without insurance, you could face financial uncertainty, tough choices, and a depleted bank account. With Trupanion, you can skip all of the uncertainty. Our coverage provides a stress-free experience thanks to no payout limits and VetDirect Pay™, so you can focus on your best friend — not the bill.
Let’s keep your pet protected, together.
Reach out anytime at 888.959.9163 — we're available 24/7/365.
Just like you, we’re all about providing the best for your pet. With VetDirect Pay™, no payout limits, and our lifetime per-condition deductible, you can rest assured that you’re getting the best value and the highest-quality coverage available. Stick with us to make sure your pet has top-notch protection — now and for the rest of their lives.
Let’s keep your pet happy and healthy together! Check out our pet parenting resources.
Walk through another story:
Meet Havoc
Havoc and Murphy are fictional — and their stories and claims are hypothetical based on thousands of real-life experiences that we hear about daily from our members and veterinary partners.
