Trupanion pet insurance coverage has a 5-day ready interval for accidents and a 30-day ready interval for sickness. If you happen to are a pet proprietor in Florida, Trupanion has a 12-day ready interval for each accidents and diseases. MetLife has a 14-day ready interval for sickness and protection for accidents begins in your coverage’s efficient date.
Trupanion doesn’t have an prolonged ready interval for circumstances corresponding to cruciate ligament points whereas MetLife has a 6-month ready interval for cruciate ligament points and intervertebral disc illness for insurance policies which can be underwritten by IAIC.
Trupanion pays your vet instantly in case your vet has their software program. MetLife doesn’t supply the power to pay your vet instantly and also you’ll need to file a declare for reimbursement, which is often paid in 10 days or much less.
MetLife affords the choice so as to add a wellness plan to your coverage whereas Trupanion doesn’t. MetLife additionally covers vet examination charges for accidents and diseases whereas Trupanion doesn’t. Each MetLife and Trupanion cowl dental diseases, however with Trupanion your pet should have an annual dental examination whereas MetLife doesn’t require a dental examination.