Trupanion Certificates: Frequently Asked Questions
Our 30-day pet insurance certificates are designed to let you experience the value of pet medical insurance, which can help cover the veterinary costs to treat unexpected illnesses and injuries. Activating your certificate will provide immediate coverage for your pet.
How do I get a certificate?
You may have gotten a certificate when you brought home your new puppy, kitten, or rescued pet, but the most common way to get a certificate is through your veterinarian.
Do I have to provide payment information up front?
No. We do not collect payment information when you activate your certificate. When you decide to continue your policy and/or add optional riders for an additional cost, then payment information will be requested.
Which pets are eligible for a certificate?
Dogs and cats over 8 weeks and under 14 years of age are eligible.
Can I get another certificate for my pet after this one expires?
No. This certificate program allows each pet only one promotional period. Pet owners who received but did not activate any previous certificates may request another certificate at their next regularly scheduled veterinary exam.
If I have multiple pets, can I get a certificate for each one?
Yes. After activating your first certificate, you may log into the policyholder area to activate more certificates for any other pets who received them.
What does it cover?
The certificate provides all the benefits of Trupanion’s comprehensive policy. We cover 90% of the costs1 related to illnesses and injuries, including hereditary and congenital issues, so long as they are not pre-existing . Eligible costs include diagnostic tests, surgeries, medications, hospitalization, supplements, orthotic devices, prosthetic devices, and carts. With Trupanion, there are no limits on payout.
1. Terms and conditions apply. Please see our policy for details.
What is not covered?
Coverage with certificates is the same with our standard policy. Trupanion does not cover the exam fee, deductible (optional upon enrollment), any applicable taxes, wellness and preventative care (including flea treatments, dental cleanings and vaccinations). Like all pet insurance providers, we also do not cover pre-existing conditions. If your pet showed signs or symptoms of a condition prior to full policy coverage, then it is considered pre-existing and not eligible for coverage. Coverage provided by our optional riders can be added for a cost.
Do I have a deductible?
The deductible with your certificate depends on the specific certificate you received. Your deductible amount will be displayed when you activate your certificate.
What portion of the bill am I responsible for when I file a claim?
For covered claims, you will be responsible for the exam fee, any applicable taxes, the deductible, and the 10% co-insurance.
After the 30 Days
What if I just want to purchase a full policy?
Great! If you plan on protecting your pet with Trupanion, we encourage you to take advantage of your certificate by activating it so that you can receive immediate coverage, and then continue immediately after. You will not be billed until the 30 days are up.
What happens when I continue my coverage?
You may continue to a full policy any time during the 30-day certificate period and we will not bill until the 30 days are up. You will be able to select your deductible and monthly premium, and you will continue to receive seamless coverage.
What happens if my certificate expires?
When your certificate expires, your pet is no longer covered by Trupanion. If your certificate expires and you choose to purchase a policy at a later time, then any conditions covered during the certificate period will be considered pre-existing. Upon the new enrollment, your pet would also be subject to waiting periods of 5 days for injuries and 30 days for illnesses. We encourage you to continue any time during the 30-day certificate period to receive seamless coverage and avoid the potential of conditions becoming pre-existing.