Trupanion > pet insurance > Is Your Pet Eligible?

Helping pets every day |

Claim paid $2,568.40 on 5/22/2012 for Coconut, Dog age 7 Mixed Breed from San Diego, California | Claim paid $1,273.81 on 5/22/2012 for Daisy, Dog age 4 Mixed Breed from Phoenix, Arizona | Claim paid $2,823.04 on 5/22/2012 for Duncan, Dog age 5 Labrador Retriever from Victoria, British Columbia | Claim paid $3,870.00 on 5/22/2012 for Maverick, Dog age 2 Labrador Retriever (Chocolate) from Marysville, Washington | Claim paid $1,224.49 on 5/22/2012 for BENTLEY, Dog age 6 Miniature Schnauzer from Mississauga, Ontario | Claim paid $2,874.60 on 5/22/2012 for Mister, Dog age 6 French Bulldog from San Francisco, California | Claim paid $2,292.51 on 5/22/2012 for Oreo, Dog age 3 Border Collie from Victoria, British Columbia | Claim paid $796.36 on 5/22/2012 for RAMZES, Dog age 4 German Shepherd from LAVAL, Quebec | Claim paid $1,784.26 on 5/22/2012 for Chewy, Dog age <1 Maltipoo from Calgary, Alberta | Claim paid $775.49 on 5/22/2012 for Whiskey, Dog age 3 Shih Tzu from Fremont, California | Claim paid $802.62 on 5/22/2012 for Sandy, Dog age 1 Golden Retriever from Carlsbad, California | Claim paid $1,039.31 on 5/22/2012 for Bunny, Dog age <1 Chihuahua from Fort Lauderdale, Florida | Claim paid $1,353.60 on 5/22/2012 for Brisket, Dog age <1 French Bulldog from San Francisco, California | Claim paid $1,907.22 on 5/22/2012 for Desmond, Dog age 5 Mixed Breed from Scarborough, Ontario | Claim paid $588.83 on 5/22/2012 for Mister, Dog age 6 French Bulldog from San Francisco, California | Claim paid $2,173.39 on 5/22/2012 for Duke, Dog age 4 Boston Terrier from Newport Beach, California | Claim paid $3,188.25 on 5/21/2012 for Bruiser, Dog age 11 Boston Terrier from Mountlake Terrace, Washington | Claim paid $666.09 on 5/21/2012 for Binti, Dog age 10 Poodle from Seattle, Washington | Claim paid $912.29 on 5/21/2012 for Gabe, Dog age 4 Greyhound from Midlothian, Virginia | Claim paid $501.29 on 5/21/2012 for Jitterbug, Dog age 2 Rhodesian Ridgeback from Novato, California |

Is Your Pet Eligible?

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

You must own a cat or dog between 8 weeks and 14 years of age
You must be a U.S. or 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.

Common Eligibility Questions

Question:
I just adopted my pet and I’m not certain about his age. Am I still eligible?

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 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 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 accidents.

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 coverage or lack thereof.

Question:
My pet isn’t spayed/neutered. Will he still be able to be covered?

Answer:
Yes, but for pets that have not been neutered or spayed prior to their first birthday (or within 30 days of being adopted), they will not be covered for illnesses related to prostate problems, hormonal skin conditions, testicular tumors, perianal tumors, mammary tumors, uterine and ovarian conditions, birthing, or injury due to fighting, collision with a motor vehicle or aggressive behavior.

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 30 day waiting period for illnesses. That means that we will cover accidents five days after the policy start date. Illnesses will be covered thirty days after the policy start date.

Question:
Is my pet eligible for hip dysplasia coverage?

Answer:
Hip dysplasia coverage is available in addition to your regular coverage with our Optional Benefits package* for an additional cost.

*Subject to regulatory approval in your state.

Get a Quote