Puppy Insurance with Vet Direct Pay & All Breeds Covered (2024)

Puppy Insurance with Vet Direct Pay & All Breeds Covered (1)#1 in America, as chosen by vets

Puppy Insurance with Vet Direct Pay & All Breeds Covered (2)Choose any vet, specialist, or emergency care hospital

Puppy Insurance with Vet Direct Pay & All Breeds Covered (3)Breed-specific and chronic conditions covered for life

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Puppy Insurance with Vet Direct Pay & All Breeds Covered (4)

How does puppy insurance work

Pet insurance provides a health insurance policy that helps cover surprise vet bills for mischievous puppies. You will pay a monthly premium and in return receive 90% coverage for all new, unexpected illnesses and injuries for the life of your pup.

Learn about VetDirect Pay™

See how Trupanion helped Dory

Dory, a 2-month-old toy poodle, ate something hazardous. Trupanion received a $3,023 claim for her treatment.

Based on the invoice:

$3,023

Trupanion paid:

$2,375

Based on a member plan with 90% coverage and a $0 deductible. See our policy for full coverage details.

Learn about VetDirect Pay™

Insurance for puppies that pays

With Trupanion, you can focus on ensuring your new puppy receives the best veterinarian care from the start instead of worrying about the bill.

Puppy Insurance with Vet Direct Pay & All Breeds Covered (5)

90% of your vet bills covered

Give your pet the best care and treatment available without worrying about the cost.

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Reduce your upfront costs

We can pay our portion directly at checkout, so you don’t have to wait to be reimbursed.

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No payout limits

Unlike other providers, we don’t limit our payouts so your pup is covered no matter the cost.

Why Trupanion?

Coverage that protects your new pet like you do

From swallowed toys to ear infections (and everything in between), we’ve got your puppy’s back for whatever life may toss their way.

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Hereditary conditions

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Breed-specific conditions

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Diagnostic tests

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Unexpected injuries

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Allergies

Read more about coverage

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Is puppy insurance worth it?

Puppy illnesses and injuries can cost more than you think. Did you know 1 in 2 puppies need unexpected veterinary care before their 1st birthday? As we’ve learned while paying over $2 billion in veterinary invoices, pet parents often can’t plan or budget for their pup’s surprise health treatment costs.

Recently claimed conditions for puppies under 1:

  • $57,044.57 - pneumonia treatment for 2 month old puppy, Amethyst

  • $17,697.65 - 10 month old Hank’s fractured leg

  • $5,348.29 - treatment for 6 month old Luna’s UTI (urinary tract infection)

Got questions? We have answers!

If your puppy faces any new, unexpected injuries or illnesses, Trupanion can help pay for the cost of their treatment — from diagnostic testing and medications to surgeries and everything in between. No pet parent should ever have to compromise on their puppy’s care, which is why our coverage is tailored to have your pet’s back no matter what.

We love when our members are informed. Learn more about your fully comprehensive coverage.

We’re here to help you pay for new, unexpected illnesses and injuries, which are difficult to budget for, instead of expected routine check-ups or preventive care. These expenses are often more affordable than emergency care, so why pay more for things you can budget for? Injuries and accidents, on the other hand, can become costly very fast. Without puppy insurance, some pet parents have to choose between their puppy’s health and staying afloat financially.

The things we don’t cover include:

  • Wellness or preventive care
  • Pre-existing conditions or anything that showed signs before you started your 30-day trial
  • Elective or cosmetic procedure (ear cropping or dew claw removal)
  • Exam fees
  • Sales tax (where applicable)

If your veterinary hospital is among the many that accept Trupanion Vet Direct Pay, all you need to do is tell your hospital that you have Trupanion coverage, and they’ll be able to submit your invoice right at checkout, with processing and payment often taking just seconds.

Going to a hospital not set up for Vet Direct Pay? No problem! You can also file online through your account or submit manually by downloading a claim form and we'll reimburse you as quickly as possible — 63% of claims are paid within 24 hours!

We only adjust your monthly cost based on inflation and to keep up with veterinary costs. That’s it. Most providers also use your puppy getting older and your coverage usage as an excuse to charge more. We don’t. Once you join Trupanion, your monthly cost will never go up based on your pet’s age or the number of claims you submit.

8/10 members say our coverage helped save their pet's life

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Puppy parenting should be fun!

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Puppy Insurance with Vet Direct Pay & All Breeds Covered (16)

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Choosing a puppy class is an important step in setting your puppy up for a lifetime of success. By following these tips, you can choose a puppy class that meets your puppy's needs.

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We’re always ready to help

Our customer care team is available 24/7/365.

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Puppy Insurance with Vet Direct Pay & All Breeds Covered (2024)

FAQs

Puppy Insurance with Vet Direct Pay & All Breeds Covered? ›

The insurer will send the payment directly to the veterinarian, covering the agreed-upon portion of the bill. The pet owner is then responsible for any remaining amount, such as services not covered by the insurance.

What does direct pay mean for pet insurance? ›

The insurer will send the payment directly to the veterinarian, covering the agreed-upon portion of the bill. The pet owner is then responsible for any remaining amount, such as services not covered by the insurance.

Does breed matter for pet insurance? ›

A: While breed is factored into the cost of coverage, pet insurance premiums are based on multiple other factors. “Insurance is typically based on the pet's age, breed and size and the location in which you are seeking insurance, so it may not be as price sensitive by breed,” said Dr.

Does dog insurance cover everything? ›

Most will cover common injuries and illnesses, like cancer, diabetes, and broken bones; however, coverage for certain treatments and services, like microchipping, behavior therapy, and dental care, can vary. Pet insurance works differently from human health insurance.

Does Pumpkin pay the vet directly? ›

Pumpkin cannot. Pumpkin has a vet direct pay option, but they cannot pay your bill at checkout from your pet's appointment. Instead, you can request that your vet clinic be reimbursed directly after filing a claim with Pumpkin (this is only possible if the hospital allows delayed payments).

How does direct pay work? ›

What is Direct Pay? Direct Pay is a free IRS service that lets you make tax payments online directly from your bank account to the IRS. Direct Pay lets you pay the IRS directly. It is not a way to get a direct deposit of your tax refund to your bank account.

What are the three types of pet insurance? ›

Pet insurance companies typically divide their products into 3 main categories: accident-only, accident and illness, and wellness coverages. Each level offers specific services that are covered and excluded and will vary by price. Insurance policies are usually broken down by the type of pet being insured.

What breed of dog is uninsurable? ›

Dog breeds banned by home insurance companies often include Doberman Pinschers, pit bulls and Rottweilers. Consider shopping around for insurance companies without breed restrictions or buying a canine liability or umbrella insurance policy if you own a restricted breed.

What is the least expensive dog breed to insure? ›

English Springer Spaniels have the cheapest insurance premiums of all purebred dog breeds at just $33.56 per month, according to An analysis of pet insurance policies from LendEDU. These dogs are generally healthy dogs, according to the American Kennel Club, and max out at 40 to 50 pounds.

Why is pet insurance cheaper for mixed breeds? ›

The cost of dog insurance depends on a number of factors, including your dog's age and location, your coverage selections, and breed-specific health risks. Heightened health risks can contribute to higher premiums, but mutts often aren't prone to the same hereditary conditions as purebred pups.

How long does pet insurance take to kick in? ›

The typical waiting period is 14 days, particularly for illness coverage. Some pet insurance providers have a waiting period of only a few days for accident coverage. Hereditary conditions such as hip dysplasia typically have much longer waiting periods — up to a year.

Does pet insurance cover food? ›

Pet owners can receive coverage for everything from surgery and prescription medications to hospitalization, depending on the insurance company. Non-medical supplies such as food aren't covered, but veterinarians may recommend prescription pet food for some conditions.

Is deworming covered by pet insurance? ›

Preventive care coverage reimburses you for things like certain vaccines, annual exams, deworming, and wellness screenings, and it's available as an add-on to your ASPCA® Pet Health Insurance plan for an additional low monthly cost.

Does Chewy pet insurance pay vet directly? ›

Direct-pay pet insurance will pay your vet's office on your behalf meaning you don't have to submit a claim and wait to be reimbursed by your pet insurance provider. Currently, there are 5 main pet insurers that can pay the vet directly for you: Healthy Paws, Pets Best, Paw Protect, CarePlus by Chewy, and Trupanion.

What does direct payment from insurance mean? ›

“Direct pay means members don't have to pay first and claim later, or worry about whether their claim will be covered by their insurer

What does directly paid mean? ›

Direct Payment is the electronic transfer of funds to make payments – whether sending or receiving. Direct Payment allows consumers to pay their bills or tuition, donate to a favorite charity, make a purchase, or send money to a friend or family member electronically from a checking or savings account.

What is a direct pet insurance claim? ›

A direct claim is when your insurance company pays us directly for the cost of your pet's treatment. Under certain circ*mstances, we may arrange to claim the treatment costs of your pet directly from your insurance company.

What is a direct payment plan? ›

In other words, it is a way to transfer money from a consumer's bank account to the company they wish to pay. Direct payment is sometimes referred to as electronic funds transfer (EFT), electronic funds withdrawal, direct debit, or direct withdrawal. Advantages of Direct Payment. Easy setup. Safe and secure.

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