Trupanion 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.
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.
Coverage for new conditions begins after a waiting period of 5 days for injuries and 30 days for illnesses.
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. If your cat showed signs or symptoms of a condition prior to full policy coverage, then that condition is considered pre-existing and ineligible for coverage. We encourage you to read over your cat insurance policy (or check out our sample policy) to make sure you fully understand what is and isn't covered.
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. Available for an additional cost.
* Terms and conditions apply. See our policy for details. Residents of WA or CA see our policy here. Residents of all other states, Puerto Rico, and Canada, see our policy here.