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Paw Protect vs Trupanion

Paw Protect vs Trupanion: Verdict

Both Paw Protect and Trupanion offer comprehensive coverage, although Paw Protect trumps Trupanion by also covering vet exam fees and offering a 24/7 pet telehealth service. Both of these insurers also have a solution for pet parents who might struggle to find the money to pay a large vet bill upfront and then wait to get reimbursed.

Here’s how Paw Protect and Trupanion compare:

PawTrupanion
Can pay vet bills upfront
Annual coverage options$5000, $10,000, UnlimitedUnlimited
Deductible options$100, $250, $500$0-$1,000
Reimbursement options70%, 80%, 90%90%
Illness coverage start14 days5 days accident,
30 days illness
Maximum age at sign-upCoverage (14 years) and Accident only (14+ years)14 years
Vet exam fees included
Dental accidents covered
Dental illness covered
Wellness plan offered
24/7 Telehealth
End of life coverage included
10% Multi-pet discount
Military discount

Information correct as of May 2023

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Paw Protect vs Trupanion: Claims process

The sad reality is that many pet parents would find it hard to pay an unexpected vet bill upfront: the cost of vet bills goes up every year, but 59% of Americans have less than $500 in savings. Paw Protect and Trupanion have both come up with solutions to address this.

With Paw Protect, you simply call them once you get your vet bill for a covered claim. Once it’s been approved, Paw Protect will send the money for its share of the claim immediately to your bank account. This means you can pay the bill, and all you have to do is cover your out-of-pocket expenses, as you would with any insurer.

Trupanion, meanwhile, has the ability to pay the vet directly. This means Trupanion’s share of a covered claim bypasses you and goes straight to the vet – all you have to do is cover you out-of-pocket expenses.

 

 

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