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Trupanion Is A Great Solution For Low Income Pet Parents!
I would highly recommend Trupanion as a source of medical pet insurance, and especially for people who are low income or on a fixed income as there are several features that this company provides which make protecting your pet from a medical catastrophe an extremely feasible possibility. Let me explain how… Firstly, when initially setting up your policy, they provide the option to pay the entirety of your deductible in your monthly premium and select a max coverage of 90%, leaving only a 10% copay remaining to be paid at the time of the visit. And then next you can count on your monthly premium not going up with your pet’s increasing age. And then last but not least and perhaps most important to people who are low income or on a fixed income is the fact that they cover any and all veterinarians, however if you see a physician that is part of their specific network, they have the ability to take your payment from your insurance claim direct-to-vet and therefore you are not forced to first pay out-of-pocket and then wait for a reimbursable to arrive in the mail or as a direct deposit. As a person on disability who is low income and who relies on an emotional support pet, there would be many medical costs for which I would be unable to pay out-of-pocket initially in order to wait for the reimbursement and therefore having the option to have the payment made direct to the vet minus the small percentage that must be paid as a co-pay is an absolute God-send and without the possibility of a company like Trupanion, it likely wouldn’t even be possible for me to afford to have a dog or a cat - at least not without having to irresponsibly have to deny them access to the medical care and emergency treatment they may need and definitely deserve. And so even on a very low income, it should not be difficult to keep $500 or $1000 dollars in savings at all times so that even if you end up having to face some of the most expensive procedures possible for your pet which might cost as much as $5,000 or $10,000 for something complicated and surgical (and God forbid that that happen to anyone ever to begin with! But IF it did…), you would easily be able to pay the co-pay and Trupanion would cover the rest (if you select the 90% coverage and 0% deductible plan) and you would not be expected to pay something like $5,000 or $10,000 out of pocket all at once while you waited for a reimbursement. And for those of us on SSI, SSDI and fixed income retirement pensions, having extra money lying around like that to the tune of such large quantities is likely not going to be something most people in this income bracket are going to have immediate access to (if at all) nor may they be able to take a loan of this nature. And this is truly the best benefit and most helpful thing about Trupanion’s pet insurance is that it allows you to have a way to stay covered in even the most expensive and unexpected of situations! Some people may tell you that pet insurance is a waste of money or that it is a lot of money that you will spend each month that may never get used, and if you earn a lot of money annually with your income, this may be true because you might be able to pay out-of-pocket if something were to happen to your pet, but for those of us who would not be able to do that and need to be paying these large chunks in small increments over a long period of time, being able to do that through a monthly pet insurance payment plan that doesn’t have increasing premiums is the best way to do it and the best way to cover your rear end (and your pet’s!) concerning any surprise emergency vet expenses that could be unrealistically expensive and result in having to choose a horrible option like having to euthanize your pet instead if you were unable to come up with the funds that pet insurance can otherwise provide you. To me this is a completely invaluable service, and especially after having lost a dog a couple years ago to cancer due to this very situation that I was describing above. It simply was not feasible to be able to afford the cost of chemotherapy and radiation for my dog while being low income and without pet insurance, there was no choice but to have my dog put to sleep which was extremely traumatic and still saddens my whole family to this day. We have a wonderful new dog who will never replace our previous dog but is just as great of a buddy and I want to make sure that this time I can do everything to make sure that this never has to happen again. Trupanion gives me peace of mind and freedom from having to concern myself with worrying about a surprise financial catastrophe that I would not be able to afford causing me to potentially lose my fur friend again. I will always have pet insurance from here on out and I highly recommend Trupanion to everyone but especially to those who are low income, on SSI/SSDI, or on fixed income retirement plans.
Insurer: Trupanion
By: Natalie D. Davis
Was confused which pet insurer to pick…
Was confused which pet insurer to pick but very glad we finally chose HealthyPaws. Extremely straight forward what’s not covered, and for everything else not only have they always fully paid what was expected but made the submission process so so easy and reimbursement is usually within a day or two. Strongly recommended. Hopefully you won’t ever need to make a claim but if you do you’ll be so happy to have HealthyPaws.
Insurer: Healthy Paws
By: Russ Fein
I was able to speak to Andrea
I was able to speak to Andrea. She was wonderful. Very polite, very pleasant and very helpful. At the beginning of the phone call I ended up having to call her back and I almost forgot about her but I remembered. Called her and she was as pleasant as she was in the beginning. She deserves a raise. She is a most pleasant person I've ever talked to anywhere that I have called for anything. Sincerely Mary Jacobs
Insurer: Prudent Pet
By: Mary Jacobs
Skeptical about pet insurance?
At first I was skeptical about getting pet insurance but after years of expensive medical bills for previous pets and now being a first time owner of two purebred kitties, I wanted to be prepared. I’m still in the beginning phases of getting their shots and neuter/spay and I’ve already received my first approved claim! The process is easy and thorough. I would recommend PetsBest to any dedicated pet owner! Thank you!
Insurer: Pets Best
By: Jamie
Emily was a pleasure to work with
Emily was a pleasure to work with! She was extremely friendly, knowledgable and compassionate!
Insurer: Embrace
By: Angela
Quick turnaround and friendly service
Very fair rates, good coverage, and easy registration. A rep called me right when I signed up to make sure I didn't have any questions!
Insurer: Prudent Pet
By: Anna Panel
Great experience
Great experience
Insurer: Prudent Pet
By: Teresa Waldron
You are Lifesavers!
With a week before the holidays my dog became sick and I rushed him to vet. Luckily I had just received a Christmas bonus at work and used it all for my dog which I was glad to use and would do it again, but it left me pretty strapped for funds. I was able to easily submit my claim online and was kept informed about the proceedings. I was literally in tears receiving the email in just a few days that Trupanion was covering the majority of my bill. Thank you - your company is the best. I always recommend you to friends who get new pups.
Insurer: Trupanion
By: Allison
Quick reimbursement + helpful service!!!
Quick reimbursement + helpful service!!!
Insurer: Embrace
By: deby t
You are the best insurance company for our pets!
I can’t express the gratitude that I have for Trupanion! I’m disabled and would not possibly be able to afford his end of life veterinarian bills and/or medicine. You are making this transitioning time so much easier. I owe Mile dept of gratitude, for I was bedbound when I got him. He got me walking again! Because of Trupanion, I can make his transition a bit more comfortable. I don’t have to worry as to wether I can afford to get him the care that is needed at this time. I can focus my energy on making him comfortable, and loving on him during this transition time. My veterinarian takes Trupanion up front. My wish is that BluePearl would do the same thing. Thank you so very much, for making these trying times a bit easier!
Insurer: Trupanion
By: Margaret