Trupanion deductible - Frequently Asked Questions

What is a deductible?

It is the portion of the veterinary bill that you are responsible for paying before our 90% coverage* is available. If the veterinary bill for an illness or injury is less than the deductible, you would pay the full amount of the bill. If your pet requires additional veterinary treatments for that particular illness or injury, you would continue to pay the veterinary bills until you have met your deductible. Once your deductible amount has been reached, we will begin to reimburse you.

Should I submit a claim even though the claimed amount is less than my deductible?

Yes. Claim amounts that are less than the deductible should be submitted so that they count toward your full deductible.

Can I choose my own deductible amount?

Yes. You have the option to choose no deductible at all, or set an amount appropriate to your budget – from $50 to $1000 per condition.

How often do I pay the deductible?

Our deductible is “per condition,” so you pay it only one time for each condition your pet develops.

What are the benefits of a “per condition” deductible?

Many of the unexpected illnesses and injuries that are covered by insurance develop into conditions that can last a few months or years, or even become lifelong conditions that require on-going medications and veterinary treatments. Once you have paid the deductible for a long-term condition, you never have to pay it again. For instance, if your dog develops a chronic condition like arthritis, once you have met your deductible, treatments for that condition will be covered at 90% of cost for the life of your dog while they are enrolled with Trupanion.

Will Trupanion ever change my deductible amount?

No. Trupanion will never change your deductible. You are the only one who can change  your deductible.

What happens if I change the deductible amount?

You would still be covered under the old deductible amount until you have satisfied the new waiting periods (30 days for new illnesses and 5 days for new injuries). Depending on whether you raise or lower your deductible, you may need to satisfy your original deductible amount for some conditions.


  Lower your deductible
Raise your deductible

What happens to conditions currently being treated?

You need to satisfy the original deductible amount
You need to satisfy the new deductible amount

What happens to new conditions?

You need to satisfy the original deductible amount
You need to satisfy the original deductible amount

If I lower my deductible, what happens?

Medical conditions that began under your original (old) deductible would still have that higher deductible applied. For instance, say your deductible is $500 at the time your cat is diagnosed with diabetes. You’ve already paid $200 of the deductible and still have another $300 to pay. You decide to lower your deductible to $250. For costs relating to diabetes, you would still have that $300 to pay, but new, unrelated conditions would now have the new, lower $250 deductible.

If I raise my deductible, what happens?

The new, higher deductible will be applied for all medical conditions, including conditions that have previously been claimed for. For instance, say your deductible is $250 at the time your dog is diagnosed with allergies. You’ve already paid $200 and still have another $50 to pay. You decide to raise your deductible to $500. For costs relating to your dog’s allergies, you now have another $300 (instead of $50) to pay for this condition.

How does the deductible amount impact my premium amount?

Higher deductibles mean lower premiums. Lower deductibles mean higher monthly premiums. So, the less you spend on a deductible, the more you’ll pay per month. The more you spend on a deductible, the less you’ll pay per month.


Still have questions? Feel free to call our pet-loving Customer Care team any time! 855.591.3100

*Terms and conditions apply. See the policy for details.

"The x-rays, surgeries, medications and check-up visits to our veterinarian totaled over $10,000 and Trupanion paid 90%. Without Trupanion, we don’t know how we would have paid for Bella's treatment... Thanks to Trupanion for all they are doing for Bella."
- Lynda S.
Condition: Dislocating kneecaps
Trupanion Paid: $10,500.45

Read more testimonials

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