Underwritten by American Pet Insurance Company
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Trupanion Online Support

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Is Your Pet Eligible for Pet Insurance?

There are two basic requirements to be eligible for pet insurance from Trupanion:

You must own a cat or dog between 8 weeks and 14 years of age
You must be a US, Canadian, or Puerto Rican resident

After meeting these requirements, some pet owners have additional questions. Below, we answer some of the most common questions about eligibility.
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Common eligibility questions for Trupanion pet insurance

Question
I just adopted my pet and I’m not certain about their age. Am I still eligible for pet insurance?

Answer
Yes! Your veterinarian will do his or her best to pinpoint your pet’s age and we will use that best guess to create a pet insurance policy for you.


Question
My pet is sick right now. Will you still cover her?

Answer
Any sickness your pet is currently suffering from will not be covered under your pet insurance policy, as it will be considered a pre-existing condition. But while that particular illness won’t be covered (as well as anything related to that illness), you may still invest in a policy for future illnesses or injuries.


Question
I don’t have my pet’s medical records. Can I sign up without them?

Answer
Yes. In many adoption cases, for example, pets do not have medical records. If this is the case, when processing a claim Trupanion will use any medical records made while the pet was in a shelter, or when you first started taking your pet to a veterinarian.


Question
My dog is 10 years old and he has never been covered with pet health insurance before. Is that a problem?

Answer
No. We do not discriminate based on your pet’s prior pet insurance coverage or lack thereof.


Question
I know I’m eligible for pet health care coverage, but I’ve heard about waiting periods – what are those?

Answer
We have a 5 day waiting period for accidents and a 30 day waiting period for illnesses. This means that we will cover accidents 5 days after the pet insurance policy begins and any illnesses which develop after 30 days from the beginning of the policy start date. Please note that illnesses showing clinical signs during the 30 day waiting period will not be included.


Question
Is my pet eligible for hip dysplasia coverage?

Answer
Yes! The Trupanion policy includes coverage for hip dysplasia so long as it is not pre-existing to policy coverage. Please call us to discuss any concerns with eligibility for hip dypslasia coverage. 

* 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

 3 Reasons to Choose Trupanion

  1. One Simple Plan

    One simple and comprehensive plan

  2. 90% Coverage

    We cover 90% of actual veterinary costs*

  3. No Payout Limits

    No dollar limits on the cost of care if your pet becomes sick or injured

Find out more

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