AAHA Seal of Acceptance Pet Insurance Buyer’s Guide
(please note: additional policies will be added to the list as they earn the seal)
General Info
| |
Trupanion |
PurinaCare |
Petsecure |
| Name of Policy |
Trupanion Plan |
PurinaCare without Preventive Care |
Petsecure Pet Health Insurance |
| Address |
P.O. Box 3306
Lynnwood, WA 98043-3306 |
PO Box 599500, San Antonio, TX 78258 |
200-1200 Portage Ave., Winnipeg, MB R3G OT5 |
| Phone number |
800/569-7913 |
877/878-7462 |
1-800/581-0508 |
| Website |
www.trupanionpet
insurance.com |
www.purinacare.com |
www.petsecure.com |
| Licensed in |
AZ, CA, CO, FL, GA, IL, MA, MD, MI, MN, KY, NC, NJ, NY, OH, OR, PA, SC, TN, TX, UT, VA, WA |
AL, AR, AZ, CA, CO, CT, DE, GA, ID, IL, IN, IA, KS, KY, MA, ME, MD, MI, MN, MO, MS, NE, NM, NC, ND, NJ, NV, OH, OR, PA, RI, SD, TN, TX, UT, VA, VT, WV, WI, WY |
All Canadian Provinces and Territories |
| Years selling policies |
0-5 years |
0-5 Years |
Over 10 years |
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Costs & Limits
| |
Trupanion |
PurinaCare |
Petsecure |
| Deductible |
Per incident $0-$1,000; see website for details |
$500, $1000 |
$100-$900 depending on pet's age and plan |
| Copay |
10% |
20% |
Up to 80% |
| Payout caps/limits |
Lifetime limits |
$20,000 per year |
Annual (calendar year) limits; Per-ailment limits, including chronic or recurring conditions and genetic or hereditary conditions |
| 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 |
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Getting Started & Renewing
| |
Trupanion |
PurinaCare |
Petsecure |
| Age limits for eligible pets |
Yes, new policies only |
Over 8 weeks - no maximum age |
No |
| Ineligibility factors |
Species; Pre-existing conditions; Pet's activity level or occupation |
Pets with some chronic conditions are ineligible for coverage |
Dogs and Cats Only |
| Apply online |
Yes |
Yes |
Yes |
| Application review timeframe |
1 day - instant |
Immediate if no pre-existing conditions |
1 day |
| Pay premiums online |
Yes |
Yes |
No |
| Eligibility determined prior to first payment |
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 - from effective date and time of the policy |
30 Days |
| 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 |
| Penalties for revising the policy prior to renewal |
No |
No |
No |
| Penalties for canceling the policy prior to renewal |
No |
No |
No |
| Company may cancel or deny renewal |
Yes, Non-payment only; see website for details |
Failure to pay premium owed by due date, concealment or failure to disclose “Pre-Existing Conditions” during enrollment, or “Our” subsequent finding that “Your” pet has an “Uninsurable Condition” or “Non-enrollable Condition” that was present at enrollment, misrepresentation or fraud in securing coverage in the application process or in the claims process, failure to cooperate in “Our” attempt to investigate a claim. |
Can cancel due to failure to pay premium or fraud |
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Policy Process
| |
Trupanion |
PurinaCare |
Petsecure |
| 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 claim schedule or per incident limit |
|
| Submit claims online |
No |
No |
No |
| Claim submission timeframe |
Within 90 days of incident |
Within 60 days of end of policy |
More than 45 days |
| Reimbursement timeframe |
Fewer than 30 days |
Estimated to be within 14 days of receipt of a complete claim |
Fewer than 30 days |
| 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 FAQs at www.petsecure.com |
| Appeals process for disputed claims |
Yes |
Yes, if appeal request is submitted in writing within 60 days |
Yes |
| Reimbursement based on actual cost or schedule of usual and customary fees |
Actual cost |
80% of eligible expenses after deductible is met. U&C shall mean fees or costs that would be considered reasonable for like veterinarians to charge in the region for which the services were performed. |
Actual Cost |
| Schedule of usual and customary fees available |
N/A |
N/A |
No |
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Coverage
| |
Trupanion |
PurinaCare |
Petsecure |
| Species covered |
Dogs; Cats |
Canine, Feline |
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% |
| 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 |
| Conditions subject to limits or exclusions |
Pre-existing conditions; see website for details |
Pre-existing conditions excluded, along with Breeding, Fertility and Pregnancy, Alternative Care, Cosmetic and Elective Procedures, Training, Pet Foods, Nutritional Supplements, Grooming, bathing for any reason and Dipping, Boarding, Preventable Conditions, Intentional Accidents or Injuries, animals under 8 weeks of age and anything subject to waiting periods per the policy. |
Pre-existing conditions |
| Services covered |
All diagnostic tests, surgeries and medications if pet is sick or injured. |
Eligible services shall mean services performed by a licensed veterinarian and covered by this policy deemed medically necessary and arising out of an accident or illness and not specifically excluded on the Declarations Page or generally excluded under the Exclusion Section of the policy. |
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 |
| Referral required to claim specialist services |
No |
No |
No |
| Emergency or critical care service limits or exclusions |
No |
No, subject to deductible, copay and annual limit |
No |
| Specialists or referral practice limits or exclusions |
No |
No, subject to deductible, copay and annual limit |
Yes, alternative treatments, behaviour therapy, medical devices and dental coverage |
| Repeated services for the same incident/ailment limits or exclusions |
No |
No, subject to deductible, copay and annual limit |
No |
| Reimbursement based on actual cost or schedule of usual and customary fees for specialty care |
Acutal Cost |
80% of eligible expenses after deductible is met. U&C shall mean fees or costs that would be considered reasonable for like veterinarians to charge in the region for which the services were performed. |
Actual Cost |
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