Cat Coverage: What Is and Is Not Covered

cat at the vetTrupanion provides one simple plan with no payout limits for your cat. Our pet insurance policy covers unexpected veterinary costs, including diagnostic tests, surgeries, medications, hospital stays, and other treatments that arise when your feline friend is sick or injured. We cover 90%* of eligible costs with no payout limits after your deductible has been met.

*Some terms and conditions apply. Please see our policy for details.

What is Covered

Most types of illnesses and injuries are eligible for coverage so long as they are not pre-existing. The good news is that you won't find a long list of excluded conditions or breed-specific ailments. We even cover hereditary and congenital conditions, provided signs were not evident before your policy coverage date.

What is Not Covered

While it’s important to know what is covered under a pet insurance plan, it’s equally important to know what is not covered.

With a Trupanion cat insurance policy, you will not be reimbursed for exam fees, taxes, wellness and preventative care (including flea treatments, dental cleanings, and vaccinations), and any pre-existing conditions. We encourage you to read over your cat insurance policy (or check out our sample policy) to ensure you fully understand what is and isn't covered.

Alternative therapies

Our Additional Care Package is available for those who are interested in alternative therapies. For an additional cost, this optional package includes coverage for treatments like acupuncture, chiropractic, hydrotherapy and more. If you choose to add the Additional Care Package to your policy, your cat's coverage will include all treatments recommended and provided by your veterinarian for covered conditions.

Extra coverage

Trupanion’s Pet Owner Assistance Package1 helps provide financial protection against unforeseen events or circumstances caused by or associated with your cat. The Pet Owner Assistance Package is designed to help protect renters, travelers or those who may have medical issues themselves. It includes coverage for:

  • Third-party property damage caused by your pet
  • Trip cancellation costs due to a sick or injured pet
  • Boarding fees if you are ever hospitalized
  • Advertising and reward costs for a lost pet
  • Cremation or burial costs for a pet who has suffered an accident.

1 Availability of this package varies by state/province.

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