What is covered?
Most 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.
For eligible conditions, coverage includes:
- Diagnostic tests
- Hospital stays
- Veterinary supplements
- Prosthetic devices
Coverage is applicable to new injuries or illnesses that occur after waiting periods pass. Waiting periods are 5 days for injuries and 30 days for illnesses.
Take your cat to any veterinarian
You can take your cat to any veterinarian throughout the US, Canada, and Puerto Rico, including emergency hospitals and specialty veterinarians. Coverage applies just the same!
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.
- Exam fees
- Applicable taxes
- Wellness and preventative care (including flea treatments, dental cleanings, and vaccinations)
- Pre-existing conditions - If your cat shows signs or symptoms of a condition prior to full policy coverage, it 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 suffers an accident
1. Available for an additional cost.