| TRUPANION | PETPLAN | PURINA CARE | |
| Wellness Available? | No | No | Yes: Reimburses 80% of limits for Wellness benefits if Wellness coverage selected. Wellness benefits don't start until deductible is met (lowest deductible you can choose with Wellness is $250). |
| Coverage for Dentals? | Will not cover routine cleaning, but will pay 90% after deductible for extractions, and medications related to extractions | Will not cover routine cleaning, but will pay after deductible for extractions and medications related to extractions | Will reimburse 80% of $200 for routine dental care after deductible is met, 80% for extractions and medications related to extractions |
| PROS | -90% coverage including at
emergency clinics and specialists -Premiums do not increase as pet ages -All illnesses/accidents coverage -Can customize deductible to meet your needs -Will give 30 day free trial to pets under one year of age |
-Can customize coverage, deductible, and yearly coverage to meet your needs | -Has Wellness option -Yearly deductible instead of per incident |
| CONS | -Doesn't cover veterinary exam
fees -Deductible is per incident -If older pets are not spayed or neutered, there are conditions which will be denied (based on the pet being intact) -20,000 lifetime benefit (does not renew yearly) |
-Deductible is per
incident -Limits coverage to 70% at emergency clinics and specialists -Premiums will increase as pet ages |
-Does not cover any
prescription foods or nutraceuticals (i.e, glucosamine or other natural
medications. These are commonly used for arthritis, liver, and
other diseases and can be costly. -Premiums increase as pet ages -No choice of co-pay amount |
| If a pet is sick or injured, what is covered? | All diagnostic tests, surgeries, and medications (incl. prescription food) | All diagnostic tests, surgeries, and medications (incl. prescription food) | All diagnostic tests and surgeries, some medications |
| If a pet is sick or injured, what is not covered? | -Pre-existing
conditions -Hip dysplasia unless optional coverage was elected -Veterinary exam fees (i.e. office visit fee) -Any Wellness charges -Denies coverage on non-neutered or spayed pets for reproductive disorders, and accidents where lack of altering causes increased risk (e.g., an adult pet not neutered would not be covered if hit by a car). Puppies and kittens are exempt from this exclusion if too young to be fixed. |
-Pre-existing
conditions -Treatment resulting from a natural disaster -Extra costs for treatment after-hours unless your vet certifies that an emergency consultation is needed -Any Wellness charges |
-Pre-existing
conditions -Any accident or illness caused by pandemic conditions -Wellness charges limited to 80% of benefit schedule -Any prescription food, nutraceutical (e.g. glucosamine, SAM-e) |
| Limits | $20,000 lifetime benefit, no limit per year, claim, or condition | $8,000, $12,000, or $20,000 per year depending on plan choice; no limit per claim or condition | $20,000 per year, no limit per claim or condition |
| Deductible | Can choose from $0-$1000 in $5 increments, is a per-incident deductible. Will pay veterinary exam fees. | Can choose $50, $100, $200 per incident deductible | Can choose $100, $250, $500, or $1000 as an annual deductible (not per incident). Must opt for at least $250 if choosing Wellness option. |
| Amount Paid | 90% of actual veterinary bill arising from illness or accident, less the vet exam fee and per incident deductible | Can choose an 80%, 90%, or 100%
reimbursement of actual veterinary bill arising from illness or
accident, less your per incident deductible -Lowers payment to 70% for emergency clinics or specialists |
80% of actual veterinary bill, after yearly deductible is met. Will only pay 80% of benefit schedule on Wellness items |
| Do rates increase as pet ages? | No | Yes | Yes |
| Will you be penalized for filing claims? | No | No | No |
| What will cause premiums to increase? | Inflationary costs of vet medicine | Inflationary costs of vet medicine and your pet aging | Inflationary costs of vet medicine and your pet aging |