What is pet insurance?
Similar to human health insurance, pet insurance helps provide peace of mind in case the unfortunate should happen. Its purpose is to help cover the costs of unexpected accidents and illnesses that may occur in the future. Unfortunately, it will not cover any current conditions your pet may have which are known as pre-existing conditions. This means that the ideal time to insure your pet is as early as possible so that anything that happens in the future will be covered.
How does pet insurance work?
When your insured pet becomes sick or injured, you take him to the veterinary clinic for treatment. You then submit your invoice along with the pet insurance claim form to be reimbursed at a percentage, less your chosen deductible.
What does Trupanion insurance cover?
Trupanion covers veterinary costs that arise from a pet getting sick or injured. Your policy covers 90% of the actual cost your vet charges for diagnostic testing, treatments, surgeries, medications, treatment, hospitalization, supplements, therapeutic pet foods*, orthotic devices, prosthetic devices, and carts, less the exam fee.
*Note: We cover half of the cost of therapeutic pet food, then we provide a discount to your premium after 2 months of coverage.
What is not covered?
Trupanion believes in providing the best value of coverage for your pets. To be able to provide this, the following items are not eligible for coverage: exam fees, preventive care, parasite control, spay/neuter, dental scaling and polishing, pre-existing conditions which includes accidents or illness that have shown symptoms to be present prior to starting coverage or during the waiting periods. Hip dysplasia and alternative therapies are also excluded from coverage unless Optional benefits package is added for an additional cost. (Availability is subject to regulatory approval in your area.) See our policy wording for full details or call our customer service for assistance.
Have you ever wondered exactly how old (in human years) your cat is?
Converting between cat years and human years isn't as simple as using a factor of 7 (as some people erroneously think with dogs, and sometimes cats). The main reason is that cats mature quickly in the first couple of years of life. To convert cat age to an equivalent human age, an accepted method is to add 15 years for the first year of life. Then add 10 years for the second year of life. After that, add 4 years for every cat year. This means that by year two, a cat has matured to about the same as a 25 year old human.
So it isn't terribly complex, but you would have to do some figuring on paper or in your head. That's where this cat years calculator comes in handy.
For comparison and reference, the Cat Bible, a book by Tracie Hotchner, provides the following list:
• 1-month-old kitten = 6-month-old human baby
• 3-month-old kitten = 4-year-old child
• 6-month-old kitten = 10 human years old
• 8-month-old kitten = 15-year-old human
• A 1-year-old cat has reached adulthood, the equivalent of 18 human years
• 2 human years = 24 cat years
• 4 human years = 35 cat years
• 6 human years = 42 cat years
• 8 human years = 50 cat years
• 10 human years = 60 cat years
• 12 human years = 70 cat years
• 14 human years = 80 cat years
• 16 human years = 84 cat years
So you can see that there are various ideas on the subject.
A few interesting facts: the longest-living cat was 34 years old according to some sources. The Siamese and the Manx breeds are the longest-living cats on average. And keeping your cat indoors typically doubles its lifespan!
Here is the calculator...