The below policy details apply to residents of the following states: California and Washington.
What is covered
Trupanion's medical insurance policy for cats and dogs covers veterinary costs that arise when your pet gets sick or injured. Your policy covers 90% of the actual costs your vet charges for diagnostic testing, surgeries, medications, treatment, hospitalization, supplements, prescription pet foods,1 orthotic devices, prosthetic devices, and carts, less the exam fee.*
With our medical insurance policy for your pet, you have unlimited coverage for your pet with no payout limits per claim, per year, or over the life of your pet.
You have the option to add a deductible to your medical insurance policy which can be changed at any time. A deductible is the portion of the claim you are responsible for before claim payments are made. 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 pet insurance policy, you are covered for all the services your veterinarian recommends, including the following 17 treatments:
Bone marrow transplants
Colloidal silver treatment
Gold seed therapy
Hyperbaric oxygen therapy
Platelet rich plasma injection
Polyethylene glycol medication
Stem cell therapy
Rider B – Pet Owner Assistance Package
This package is often purchased by renters, people who travel frequently, or pet owners who are concerned about their cat or dog, should they have medical issues themselves. These optional benefits are available subject to an additional premium. Included in this package is 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,2 and third-party property damage.
The breeding rider covers illnesses and injuries relating to breeding, whelping, and queening. Learn more about our breeding pet rider.
Injury coverage begins 5 days after the pet insurance policy enrollment date and illness coverage (including congenital and hereditary disorders) begins 30 days after the policy enrollment date. Please note that illnesses showing clinical signs during the 30 day waiting period are not eligible for coverage.
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 (e.g., roundworms and fleas).
A pre-existing condition is any condition for which evidence and/or signs 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, wellness exams, preventive care, nail trims, and dental cleanings.
There are coverage limitations3 for pets who have not been spayed or neutered prior to their first birthday, within 60 days of adoption, or within the 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.
1. Our policy covers ½ of the cost of prescription pet foods for up to 2 months of coverage.
2. Up to $100 in cremation or burial fees are covered should the pet pass away due to an accident.
3. Pets enrolled as a breeding animal for an additional premium factor will receive the breeding endorsement which waives these limitations.