Trupanion vs Petsecure Pet Insurance

Trupanion can pay veterinarians directly. Petsecure cannot

Petsecure runs on a reimbursement model that is standard for almost all pet insurance providers. Under this model, you pay your pet’s bill at the veterinary hospital, then file a claim with the insurer and wait for a reimbursement cheque.

For those who don’t like waiting, there’s Trupanion, which can pay veterinarians directly at time of checkout from your pet’s appointment — no more filing paperwork, no more waiting for a cheque. In many cases, this direct pay option requires no paperwork and no phone calls from the pet parent.

Find out today if your veterinarian accepts direct payment from Trupanion.

Petsecure may adjust your coverage if you file claims. Trupanion will not

The whole point of having health coverage for your pet is to be able to cover unexpected veterinary expenses when needed. Unfortunately, Petsecure is one of many pet insurance providers who analyzes how many times you file a claim (and how much you claim for) and may adjust your coverage as a result.

According to Petsecure’s website, they conduct policy reviews every six months and look at both the number and cost of claims filed within the last 24 months. Co-insurance may then be increased from the starting percentage of 10% to “30%, 40% or to a maximum of 50%.”

Trupanion does not penalize pets for having to use their coverage. While rates may increase for other reasons (like inflation), it will not increase due to you filing a claim.

Deductibles: flexibility with Trupanion, limitations with Petsecure

Pet parents have financial flexibility with Trupanion. You can pick what deductible you pay — starting with no deductible at $0, or anywhere from $50 to $1,000 (in increments of $5). You can also raise your deductible any time you want.

On the other side of things, Petsecure has comparatively limited choices in deductibles. Their deductibles are $100, $300, $250, $400, but older pets may not be eligible for the lowest options. In fact, Petsecure increases deductibles as pets age, which makes it even harder to find the ideal choice for your budget.

Petsecure may drop or change coverage at any time. Trupanion won’t

It’s important to read the fine print of any pet health coverage policy or you may find yourself in for some unwelcome surprises. According to Petsecure’s policy details, they “reserve the right to make changes to your policy by advising you 30 days in advance. Such changes can involve but are not limited to premiums, exclusions, coverage, co-insurance, deductibles, and limits under this policy.” Petsecure also reserves the right to drop your coverage for various reasons.

This is not the case with Trupanion, which will not suddenly drop your pet’s coverage, stop covering previously covered conditions, or change the deductible you have chosen. Trupanion will also not cancel coverage after a certain number of claims are filed, which many pet insurers reserve the right to do.

That’s not to say your policy details won’t ever change — Trupanion does reserve the right to adjust your monthly premium with at least 30 days notice. However, it’s also written right into the Trupanion policy that your premium will not adjust more than once in any continuous 12-month period.

Trupanion has 24/7 live support. Petsecure has business hours

Like most insurers, Petsecure limits live support to specific business hours: 7 a.m. to 9 p.m. Monday through Thursday, 7 a.m. to 8 p.m. on Friday, and 8 a.m. to 7 p.m. on Saturday. They are closed on Sundays. All times are in CST.

Since it’s impossible to predict when or where your pet will need veterinary care (or when you’ll have questions about your coverage), Trupanion provides 24/7 live support every day of the year.