Policy Overview

The information below is for those in the following states: California, Florida, Maryland, Minnesota, New York, South Carolina, Washington and Puerto Rico.

What is covered
Trupanion covers veterinary costs that arise from a pet getting sick or injured. Your policy covers 90%1 of the actual cost your vet charges for diagnostic testing, treatments, surgeries, medications, treatment, hospitalization, supplements, therapeutic pet foods2, orthotic devices, prosthetic devices, and carts, less the exam fee.

1 Terms and conditions apply. Please see our policy for details.
2 Note: We cover ½ of the cost of therapeutic pet food, then we provide a discount to your premium after 2 months of coverage.

No limits
With your policy, you will have unlimited coverage for your pet with no limits per claim, per year, or over the life of your pet.

Lifetime deductible
You have the option of adding a deductible to your policy which may be changed at any time. The deductible is the portion of the claim for which you are responsible before Trupanion will make claims payment. The deductible only needs to be met once per incident or condition for the life of the policy.

Rider A - Additional Care Package
When you add this optional package to your core policy you are covered for all the services your veterinarian recommends, including the following 17 treatments:

Acupuncture
Behavioral modification
Bone marrow transplants
Chiropractic
Colloidal silver treatment
Gold seed therapy
Herbal therapy
Homeopathy
Hydrotherapy

Hyperbaric oxygen therapy
Kidney transplants
Naturopathy
Physical and rehabilitative therapy
Platelet rich plasma injection
Polyethylene glycol medication
Shockwave therapy
Stem cell therapy

Rider B – Pet Owner Assistance Package
This package is often purchased by renters, people who travel frequently or per owners who are concerned about their pet, should they have medical issues themselves. These optional benefits are available subject to an additional premium. Included in this package are coverage for advertising and reward costs if your pet becomes lost, boarding fees during pet owner hospitalization, trip cancellation costs if your pet needs urgent medical treatment, cremation or burial costs, and third party property damage.

Waiting periods
Accident coverage begins 5 days following the policy enrollment date and illness coverage (including congenital and hereditary disorders) begins 30 days following the policy enrollment date. Please note that illnesses showing clinical signs during the 30 day waiting period will not be included.

What is not covered
Trupanion's policy does not cover veterinary examination fees or applicable taxes, pre-existing conditions, routine care, preventive care and diseases preventable by vaccines and prophylactic medications (for example, roundworms and fleas).

  • A pre-existing condition is any condition for which evidence and/or signs already exist at the time of enrollment, during waiting periods, or during the 18 months prior to enrollment.
  • Routine care is any treatment that is an expected or planned expense, including but not limited to spaying or neutering the pet, wellness exams, preventive care, nail trims, and dental cleanings.

Limitations
There are coverage limitations* for pets that have not been spayed or neutered prior to their first birthday, within 60 days of adoption, or within a time frame of their veterinarian's medical recommendation. Some examples of conditions not covered for pets in this category are testicular tumors, mammary tumors, and uterine and ovarian conditions (see our sample policy for full details). Should you choose to keep your pet intact, we recommend adding the Breeding Pet Rider to your policy to receive coverage for these conditions.

*Pets enrolled as a breeding animal for an additional premium factor will receive the breeding endorsement which waives these limitations.