Policy Overview
The comprehensive reference guide links on the left will describe the basics of pet insurance and how it fits into the insurance industry as a whole. Throughout the guide, you will learn terminology and policy basics, influences in different parts of the world, and veterinary terms and costs.
Trupanion Policy Overview
What is covered: Trupanion covers 90% of the actual costs of veterinary care should your pet become sick or injured. This includes diagnostic testing, surgeries, medications, treatment, hospitalization, supplements, therapeutic pet foods*, orthotic devices, prosthetic devices, and carts. Medical care from emergency veterinary clinics and veterinary specialists is also covered.
*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.
Optional benefits package: Trupanion's optional benefits package is available to pets of all ages for an additional cost. It includes coverage for hip dysplasia; acupuncture; physical therapy; hydrotherapy; behavioral modification, medications, training or therapy; and feline kidney transplants. Availability is subject to regulatory approval in your area.
Additional benefits package: Our additional benefits can be added to any policy at any time for an additional cost. 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.
What is not covered: Trupanion's policy does not cover veterinary examination fees, pre-existing conditions, routine care, preventive care and diseases preventable by vaccines and prophylactic medications (for example, roundworms and fleas). Hip dysplasia and alternative therapies are also excluded from coverage unless Optional benefits package is purchased (see above). See Section 5 of our policy for more details.
- A pre-existing condition is any condition for which evidence and/or symptoms 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 30 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.
*Pets enrolled as a breeding animal for an additional premium factor will receive
the breeding endorsement which waives these limitations.
Recent improvements to the policy
Trupanion has recently enhanced our policy with changes that will be beneficial to many policyholders. The following is a comprehensive list of these changes.
Working pets*: We now cover working pets including service and therapy dogs; law enforcement dogs; search and rescue dogs; herding, hunting, and sled dogs; guard dogs; and breeding cats and dogs. See Section 2, paragraph b. in our sample policy.
Orthotic devices, prosthetic devices, and carts*: Core coverage has been extended to include these devices. See Section 2, paragraph a. (6). in our sample policy.
Therapeutic pet foods*: We cover ½ of the cost of therapeutic pet
food purchased through your veterinarian to assist in the care of your pet for 2
months, then the coverage converts to a discount on your premium.
Supplements*: We cover supplements purchased through your veterinarian for the treatment of illness or injury.
Optional benefits*: Hip dysplasia coverage and other benefits (see above) are now available to all pets of all ages with our optional benefits package for an additional cost. See Section 2, paragraph c. in our sample policy.
For complete information, please take a look at our sample policy.
*Availability is subject to regulatory approval in your area.
