They Trust You With Everything
Your pet does not understand insurance. They do not know what a wellness plan is. They just know that when something feels off, you are the one who takes care of it.
That trust is the whole reason we built our wellness plans the way we did, and the reason we recommend Trupanion to so many of our pet parents at Town and Country Animal Hospital in Fairfax. Together, they cover almost everything that can come up in a pet's life. Predictable care for what your pet needs every year. Real protection for the things nobody can predict.
What Our Wellness Plans Cover
Our wellness plans bundle the care every pet needs every year into one predictable monthly payment:
- Annual or semi-annual exams
- Core vaccinations
- Fecal testing
- Heartworm, flea, and tick prevention
- Comprehensive preventive care and early disease detection
We recently updated our plans to add even more value:
- Emergency visits are now included. All wellness plans now cover emergency exam visits at Columbia Pike Animal Hospital and Emergency Center, our 24-hour sister hospital just a short drive away in Annandale, VA. Most local emergency centers charge $150 or more in ER fees on top of the exam cost. With a wellness plan, you pay neither.
- New Senior Plans designed specifically for aging pets.
- Dental Plan Add-On for long-term oral health.
A wellness plan is not insurance. It is a way to spread the cost of routine care across the year, and to make sure nothing gets skipped because the timing was inconvenient.
Where Wellness Plans Stop and Trupanion Starts
Wellness plans cover the things you know your pet will need. The exams. The vaccines. The annual prevention. They also now cover the emergency exam visit at Columbia Pike if something happens after hours.
What they do not cover is the treatment that follows.
If your pet swallows a sock and needs surgery, the wellness plan covers the emergency exam. Trupanion covers the surgery. If your pet is diagnosed with diabetes, the wellness plan covers the routine visits going forward. Trupanion covers the diagnostics, the medication, and the hospitalization.
That is the gap Trupanion pet insurance fills.
What Trupanion Pet Insurance Covers
Trupanion is built for the unexpected. Accidents, illness, chronic conditions, and the diagnostic and treatment costs that come with them.
That includes:
- Accidents and injuries
- Illnesses, including chronic conditions and unidentified issues
- Diagnostic testing
- Surgeries and hospitalization
- Advanced dentistry
- Prescription medications
- Specialty and emergency care
Why Trupanion Stands Out
|
90%
of eligible costs covered after deductible
|
$0
payout caps. No annual or lifetime limits.
|
25+
years protecting pets across North America
|
99%
of Trupanion members renew each year
|
To put the numbers in real terms, here are average claim amounts from Trupanion members. All figures are based on 90 percent coverage and exclude the deductible and exam fees:
| Condition | Total Cost | Your Cost With Trupanion |
|---|---|---|
| Vomiting and diarrhea | $9,098 | $909 |
| Urinary tract infection | $8,242 | $824 |
| Lameness or limping | $15,976 | $1,592 |
| Diabetes | $17,055 | $1,705 |
| Renal failure | $30,870 | $3,087 |
These are real bills. The kind that turn into hard conversations if there is no plan in place.
Town and Country Is Fully Integrated With Trupanion
This is the part that catches almost everyone off guard.
Most pet insurance companies make you pay the full bill upfront, then file a claim and wait weeks for reimbursement. We are fully integrated with Trupanion, which means none of that applies here.
| Other Pet Insurance | Trupanion at Town and Country |
|---|---|
| Pay your full bill at checkout | Pay only your portion at checkout |
| File a claim and wait weeks for reimbursement | Trupanion pays us directly in seconds |
| Annual and lifetime payout caps | No annual, lifetime, or payout limits |
| Premiums often increase after a claim | Rates do not increase because you used your policy |
When your pet is covered by Trupanion and treated at Town and Country, we bill Trupanion directly through their veterinary software. You handle your portion at checkout. Trupanion handles the rest in seconds, not weeks. No paperwork. No reimbursement chase. No waiting for a check to arrive while your credit card statement clears.
Most of our clients who have Trupanion do not realize this is how it works until they need it.
Why You Want Both
A pet covered only by a wellness plan is set for routine care and the emergency exam, but exposed if something major happens after that.
A pet covered only by Trupanion is protected against the unexpected, but routine care and prevention are still out of pocket every visit.
Together, the wellness plan handles the predictable and the front door of an emergency. Trupanion handles the bills that come after. You know what you are spending each month. You know what is covered if something goes wrong. There are no surprise bills, no skipped vaccines because of a tight month, and no waiting on reimbursement checks if your pet ends up in the hospital.
That is the full picture. And it is what we want for every pet that walks through our door.
Frequently Asked Questions
Does Town and Country Animal Hospital accept Trupanion?
Yes. Town and Country Animal Hospital in Fairfax, VA is fully integrated with Trupanion and bills them directly through their veterinary software. You handle your portion at checkout. Trupanion pays the rest directly to us. You never pay the full bill upfront and wait for reimbursement.
Is a wellness plan the same as pet insurance?
No. A wellness plan covers the routine and preventive care you know your pet will need, like annual exams, vaccines, and parasite prevention. Pet insurance like Trupanion is designed to help with unexpected illness or injury costs. They complement each other.
Can I have both a wellness plan and Trupanion?
Yes, and we recommend it for most pets. They cover different things, so they do not overlap. The wellness plan handles routine care. Trupanion handles accidents and illness.
Do Town and Country wellness plans cover emergencies?
Town and Country wellness plans now cover emergency exam visits at Columbia Pike Animal Hospital and Emergency Center, our 24-hour sister hospital in Annandale. The wellness plan covers the exam visit. Trupanion or another pet insurance policy is what covers the treatment costs that follow.
When is the best time to enroll in Trupanion?
As early as possible. Trupanion does not cover pre-existing conditions, so enrolling a healthy young pet means more is covered down the line. Older pets can still enroll, but anything already diagnosed will not be covered. Trupanion also offers a special activation offer when enrollment happens within 24 hours of a veterinary exam, so ask about it at your next visit.
How much does Trupanion pay on a claim?
Trupanion pays 90 percent of eligible costs after your deductible. There is no annual limit, no lifetime limit, and no payout cap. Real claim examples include $9,098 for vomiting and diarrhea (your cost: $909) and $30,870 for renal failure (your cost: $3,087).
Will my wellness plan be cheaper if I have Trupanion?
The wellness plan price is the same whether or not you have Trupanion. They cover different things, so they do not overlap.
Ready to Get Started?
Two ways to enroll:
Call us at (703) 273-2110. We can walk you through the wellness plan and answer your Trupanion questions on the phone.
Or enroll with Trupanion directly. Visit Trupanion to start your policy online.
Because they trust you with everything.