Coverage Questions
What does Trupanion pet insurance cover?
Trupanion covers 90% of veterinary costs that arise from a pet getting sick or injured. We reimburse based on the actual cost a vet charges for diagnostic testing, surgeries, medications, hospitalization, supplements*, therapeutic pet foods**, orthotic devices, prosthetic devices, carts, and other treatments, less the exam fee.
*Coverage applies to supplements and therapeutic pet foods prescribed and purchased through a veterinarian for the treatment of accidents and illnesses.
**We cover ½ of the cost of therapeutic pet foods for two months, after which a discount is applied to the pet owner’s premium.
What is not covered?
Trupanion offers coverage for unexpected veterinary costs. Expected costs, or routine costs, are not eligible for coverage. These include: exam fees, preventive care, parasite control, spay/neuter, and dental scaling and polishing. Pre-existing conditions (accidents or illnesses that have shown signs to be present prior to the start of coverage or during the waiting periods) are also excluded from coverage. Hip dysplasia and coverage for complementary therapies are also excluded unless our optional Complementary Care package* is added for an additional cost.
*Availability is subject to regulatory approval in your area.
How do you determine what will be a pre-existing condition?
A pre-existing condition is any illness or condition which first occurred or displayed signs prior to your pet’s coverage effective date. A pre-existing condition can also be an injury or recurrence of an injury that occurred prior to your pet’s coverage effective date. However, pre-existing conditions are eligible for review if no signs have been present within an 18-month period prior to enrolling.
Why is routine care not covered?
We do not include routine care, or wellness care, in our coverage because we have found it greatly increases premiums without adding additional value.
When does my coverage begin? Are there waiting periods?
Trupanion has a 5-day waiting period for accidents and a 30-day waiting period for illnesses. That means that we will cover accidents five days after the policy start date and illnesses 30 days after the policy start date as long as they are not pre-existing.
Do you offer a multiple pet discount?
No. Rather than raising our rates and offering various discounts, we offer all customers the lowest possible premiums across the board.
What is a deductible, and how does it work?
A deductible is the amount of your veterinary bill for which you are responsible before we start to cover any veterinary medical expenses. Trupanion’s deductibles are per accident or illness, meaning that the deductible will apply to each accident or illness the pet develops. Once the deductible amount has been met for a specific accident/illness, we will pay 90% of all future costs associated with that accident/illness.
You have the option of choosing any deductible from $0 up to $1,000.