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.
