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Trupanion Pet Insurance FAQs

Learning about pet health insurance can be difficult and often hard to understand. We want to make sure you know what you're getting with a pet insurance plan.
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  • Coverage Questions

    • What does Trupanion pet insurance cover?

      The Trupanion policy reimburses 90% of covered veterinary costs* that arise from a pet getting sick or injured. Reimbursement is based on the actual cost a veterinarian charges for diagnostic testing, surgeries, medications, hospitalizations, supplements1, therapeutic pet foods2, orthotic devices, prosthetic devices, carts, and other treatments, less the exam fee. Hereditary and congenital conditions are covered as well.

      1. Coverage applies to supplements and therapeutic pet foods prescribed and purchased through a veterinarian for the treatment of accidents and illnesses. 

      2. The therapeutic pet food coverage is for ½ of the cost of the food for up to two months. 

    • What is not covered?

      • Exam fees
      • Any applicable taxes
      • Wellness and preventive care (parasite control, spay/neuter, vaccinations)
      • Pre-existing conditions

      Certain alternative therapies and treatment types are also excluded unless the Additional Care Package or Recovery and Complementary Care Rider* is added to the policy prior to the onset of any condition to be treated with the alternative therapies. See applicable policy overview for details:

      *For an additional cost.

    • How do you determine what will be a pre-existing condition?

      A pre-existing condition is any illness, condition, or injury for which signs or evidence of their potential manifestation existed at or within the 18 months prior to the policy enrollment date, or during applicable waiting periods. A pre-existing condition can also be an injury or recurrence of an injury that occurred prior to your pet’s coverage effective date. 

      If hip dysplasia was diagnosed or showed any evidence prior to policy inception, it is considered pre-existing, even if not noted within the 18 months prior to policy inception.

    • Why is routine care not covered?

      Routine and wellness care, such as regular vet check-ups, vaccines, and preventive medications are to be expected during the life of a pet. Because these costs can be planned and budgeted, they are not included in coverage. Pet insurance is most appropriate for helping with unexpected costs, such as an injury or illness.

    • When does my coverage begin? Are there waiting periods?

      The Trupanion policy has a 5-day waiting period for injuries and a 30-day waiting period for illnesses. This means that injuries that occur 5 days after enrollment and any illnesses which develop 30 days after enrollment are eligible for coverage (as long as there is no evidence that the illness or existed prior to policy inception). Please note that any injuries that occur during the 5 day waiting period or illnesses that begin during the 30 day waiting period are considered pre-existing and not eligible for coverage.

    • What is a deductible and how does it work?

      A deductible is the monetary amount that you pay for each illness or injury before you can receive reimbursement or payment for eligible medical expenses. 

      The deductible is a lifetime per incident deductible. This means it is applied only once to any given condition during the lifetime of your pet. Once the deductible amount has been met for any given injury or illness, all future medical costs associated with that injury or illness will be eligible for coverage.

      You have the option to choose any deductible from $0 to $1,000.

    • Do you offer a multiple pet discount?

      No. Rather than raising rates and offering various discounts, we offer all customers the lowest possible premiums across the board.

    • Is my coverage reduced for going to a specialist/emergency vet?

      No. If you are referred to a specialist or visit an emergency hospital, you will still see 90% reimbursement for all eligible costs. Please remember that the veterinary exam fee is your responsibility, so if you are charged a specialist fee or emergency fee, this is regarded as the same.

  • Claims Questions

    • How do I file a claim?

      When you take your pet to the veterinarian due to an illness or injury, simply complete the one-page claim form and have your veterinarian complete the veterinary portion. You fill in Part A of the claim form and the attending veterinarian fills in Part B. Submit the fully completed claim form along with itemized invoices within 90 days of the treatment date. You can submit your claim by fax, email, or postal mail.

    • Where can I get a claim form?

      You can download a claim form in the policyholder section of the Trupanion website, or you can contact one of our pet-loving Customer Care Representatives at 888.733.2685 and we will mail, email, or fax one to you.

    • Should I bother to file a claim if my bill is less than my deductible?

      Yes! Because your deductible is per condition, you should always file claims, even if they are below the amount of your deductible. This reduces the amount of the deductible you will be responsible for on the next veterinary bill related to that particular condition. Once you meet your deductible for a particular condition, it is met for the life of your pet's policy for the same condition. It is important to point out that the number of claims you submit will not affect your monthly premium.

    • How long will my first claim take to process when I file a claim?

      For a pet’s first claim, you will need to submit your pet’s medical history from all veterinarians that your pet has visited since 18 months prior to enrollment. This includes current and previous veterinarians as well as specialty and emergency hospitals. This can take approximately 7-10 days depending on how long it takes to receive all necessary information from all hospitals. Once your pet’s medical records are on file, the average claim processing takes about 4 days. A letter of assessment will be sent to you via email and postal mail once the claim has been processed.

    • How do I get paid when my claim has been approved?

      We will send you a check in the mail. You also have the option to receive your claims payment directly into a checking or savings account via direct deposit. You can set this up by calling 888.733.2685.

  • Billing Questions

    • How do I pay for insurance?

      You can pay by credit card (Visa, MasterCard, or American Express) or set up monthly bank account withdrawals and your premium will automatically be charged each month.

    • How do I update my payment method or new card expiration date?

      Just log into your account in the policyholders section and click on "Edit" next to Billing Information, or give us a call at 888.733.2685.

  • Do You Cover...

    • What is hip dysplasia and can my pet get coverage?

      Hip dysplasia is a genetic disorder in which the ball and socket of the pet’s hip joint do not properly develop and they fit together loosely, causing pain and lameness. Larger dogs may be pre disposed to develop hip dysplasia, however smaller dogs and even cats can also be affected. Hip dysplasia coverage is included in Trupanion's core policy.

    • Does Trupanion cover alternative medicine/therapies?

      For residents of California and Washington: Trupanion offers an Additional Care Package for an additional cost that includes coverage for acupuncture, behavioral assessment, bone marrow transplants, chiropractic, colloidal silver treatments, gold seed therapy, herbal therapy, homeopathy, hydrotherapy, hyperbaric oxygen therapy, kidney transplants, naturopathy, physical therapy, platelet rich plasma injections, polyethylene glycol, shock-wave therapy, and stem cell therapy.

      For residents of all other states, Canada, and Puerto Rico: Policy coverage includes bone marrow transplants, colloidal silver treatments, gold seed therapy, herbal therapy, hyperbaric oxygen therapy, kidney transplants, platelet rich plasma injections, polyethylene glycol medication, shockwave therapy, and stem cell therapy.
      For other alternative therapies, our Recovery and Complementary Care Rider is available for an additional cost, and includes coverage for physical therapy (rehabilitative therapy), acupuncture, hydrotherapy, chiropractic, behavioral modification and therapy, homeopathy, and naturopathy.

    • Do you cover prescription pet foods?

      Yes, the Trupanion policy covers 50% of the cost of prescription pet foods, less the deductible and 10% coinsurance, when recommended by your veterinarian for the treatment of covered injuries or illnesses for up to two months of feeding. 

    • Do you cover supplements?

      Yes, prescribed or recommended supplements purchased through your veterinarian are covered if they are used for the treatment of eligible illnesses or injuries.

    • Do you cover cruciate surgeries?

      Yes. However, if your pet had cruciate problems on the same leg or the opposite leg prior to policy inception, then they are considered pre-existing and not eligible for coverage.

    • Do you cover treatment for Parvo, Giardia, or Kennel Cough?

      Yes, so long as the condition is not pre-existing, all recommended or required vaccinations are current, and preventative measures have been taken.

    • Do you cover the costs of euthanasia?

      Yes, when recommended by your veterinarian due to the progression or presence of an eligible condition.

  • More Common FAQS

    • Will a condition ever be considered pre-existing due to policy renewals?

      No. Trupanion's policy is continuous from month to month. So long as you pay your premiums, approved conditions will continue to be covered.

    • Am I limited to a list of veterinarians in your network?

      No, you may visit any licensed veterinarian in the US, Puerto Rico, or Canada.

    • What’s the oldest age at which I can enroll my pet?

      You can enroll your pet any time before your pet’s 14th birthday.

    • Can I cancel my pet insurance policy at any time?

      Yes, you may cancel your policy at any time with written notice.

    • What are hereditary and congenital conditions?

      Hereditary conditions are diseases or disorders inherited genetically. Congenital conditions are present from birth and may or may not be genetic. When a congenital condition is not genetic, it may be the result of an error during development at any stage prior to birth. Certain breeds of dogs and cats are prone to specific conditions. Some pet insurance providers limit or exclude any conditions considered hereditary. Trupanion's policy covers all hereditary and congenital conditions so long as there are no pre-existing signs or symptoms.

    • What happens if an insured pet is given away or changes owners?

      You can transfer the policy to the new owner. We simply need to speak with both the former and new pet owner to verify the transfer and update the account and billing information.

    • Are there restrictions for pets fed a raw diet?

      No, there are not any eligibility restrictions for pets who are fed a raw diet. However, raw diets are not eligible for coverage under the Trupanion policy.

    • Is my pet covered while we are traveling?

      Yes, your pet is covered under your policy while you travel throughout the United States of America, Canada, or Puerto Rico including all US and Canadian territories and military bases.

    • How do you determine the premium if a pet’s age is unknown?

      Pricing is determined based on the attending veterinarian’s best estimate of your pet’s age (as recorded in its medical history).

    • How do you know whether a condition is pre-existing for a recently adopted pet?

      When you file your first claim, all available medical records from adoption through any applicable waiting periods (if you've had your pet less than 18 months) will be requested. If you've had the pet longer than 18 months, then the collected medical records will date back 18 months prior to policy inception through any applicable waiting periods. A Claims Specialist then reviews your pet's provided medical history to assess whether a condition is pre-existing or not.

    • Can I change my deductible at any time? Are there penalties for doing so?

      You may change your deductible at any time (no more than once a month) without penalty. When changing a deductible, there is a waiting period of 30 days for illnesses and 5 days for injuries, during which the old deductible will apply. The new deductible will take effect after these waiting periods for any new conditions that arise. 

      Lowering your deductible: If you lower your deductible, any conditions that were present before you lowered the deductible will still need to meet the higher deductible that was in place when that condition first occurred. 

      Raising your deductible: If you raise your deductible, any conditions that were present before you raised the deductible will need to meet the new higher deductible even if the deductible had previously been met while the deductible was lower. 

Disclaimer: All statements above are general in nature and intended to be educational. They are not intended to be used for individual approval. Each situation and claim will be reviewed on an individual basis. For the answer above, we assume that the pet and pet owner comply with our policy wording. Coverage will be based on our policy wording.

* 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

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