How Does Pet Insurance Work

Pet Insurance Basics in Fort Collins

Pet insurance is something we believe in at Advanced Animal Care of Colorado, and we have patients who use it all the time at our facility in Fort Collins. We understand your pet is an important family member and medical care can be expensive for your dog or cat when it’s required for their health or well-being. Just like for people, there are reasonable pet insurance options available on the market today, and making use of them can save you money, as well as bring you some peace of mind.

If your pet gets sick, it can be a huge relief to know you can take them in for quality medical care. Veterinary medicine can treat many different conditions these days, but with an increase in available treatment and the advances in technology, this type of care can be expensive. Having a reliable pet insurance policy in place can greatly reduce the costs associated with these treatments. Let’s face it; nobody wants to be in a position where they can’t help their pet get better just because a particular treatment is too costly.

How does pet insurance work?

Pet insurance works much the same as regular health insurance policies that people have. Most have deductibles, monthly payments, and coverage areas, as well as upper cost limits for some types of treatment. There are many differences in the types of coverage pet insurance companies offer, so it’s smart to make sure you take a good look at a plan before signing on to make sure it has what you may need. At our facility, we work closely with Trupanion pet insurance, because we believe they offer a good deal for you and your pet.

If you’re searching for a good comprehensive pet plan, Trupanion is worth considering. Not only will they pay us directly for any treatment your pet receives, but they don’t have payout limits. Your pet is able to get whatever treatment is necessary—with no cap for coverage. And once you meet the deductible, it covers 90% of eligible claims.

What is covered?

So what does pet insurance cover, and does it make sense to invest in a policy? The best pet insurance covers you for emergencies and expensive treatments, while leaving some of the cheaper routine visits for you to handle. This way you are protected against receiving those astronomical bills that can frighten even the most caring and dedicated pet owner. Trupanion covers the following, subject to the details in your policy:

  • Illnesses and injuries
  • Hereditary and congenital conditions
  • Diagnostic tests
  • Surgeries
  • Hospital stays
  • Medications
  • Veterinary supplements
  • Prosthetic devices and carts

What is not covered?

As with most types of pet insurance, some services are covered, while others are the responsibility of the owner. Under the Trupanion plan, pet owners are responsible for:

  • Exam fees
  • Sales tax where applicable
  • Wellness and preventive care
  • Pre-existing conditions

If you’d like more information on what is covered and what isn’t, we’d be happy to speak with you about the details. Contact our office to learn more.

What is the best pet insurance?

So what is the best pet insurance? In short, the answer is the one that best fits with your needs. Every pet owner has a different set of life circumstances that dictate what type of insurance may be best. These include cost, coverage types, and the current state of the pet’s health. These days more and more people are opting for some type of coverage, as medical bills can add up quickly and emergencies can and do happen.

Peace of mind is something that can’t be overestimated, and pet insurance offers that to caring owners who want the best for their pets. Whether you have a new puppy in the family or a cat that is starting to get up there in years, knowing you can afford to help them if they need medical care can feel really good. We encourage pet owners to seriously consider checking into pet insurance, and we recommend Trupanion as a solid option.

Why Trupanion?

So why are we on board with Trupanion as an insurance policy for your pet? There are a few reasons, but there are several reasons that stand out the most. Trupanion offers:

  • A lifetime per condition deductible instead of an ongoing annual deductible.
  • A range of different deductibles to meet a variety of breeds and needs.
  • Cat and dog policies.
  • The same coverage for emergencies and emergency vet trips.
  • Enrollment anytime up to a pet’s 14th birthday.
  • The option of lowering or raising your deductible.

These are just some of the reasons we like to work with Trupanion. We’ve seen good things from this pet insurance company since we have been working with them, and we want our clients to know it! If you are interested in finding out more details about the company, feel free to contact us to see how things work. You can also sign up or read more about them on their website at

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