The Benefit of Trupanion

Trupanion is committed to providing the best value in pet insurance. Our one simple plan provides the most comprehensive pet insurance coverage in North America. Coverage is available at any veterinary practice, emergency or specialty hospital in the United States, Canada and Puerto Rico.

  • We pay 90% for the care of your pet should it get sick or injured.
  • Your 90% reimbursement is calculated from your actual veterinary bill not from a predetermined benefits schedule.
  • You determine the monthly premium that suits your budget by choosing your deductible – between $0 and $1,000.
  • You can go to any veterinary practice, emergency care or specialty hospital in the United States, Canada and Puerto Rico.
  • If your pet needs us we won’t stop paying for its care. That means no payout limits for the lifetime of your dog or cat on covered illnesses and injuries.
  • We never punish unlucky pets by denying coverage after you’ve made claims or raise your rates because you make too many claims.
  • We cover all hereditary and congenital conditions as long as signs weren’t present prior to enrollment or policy waiting periods.
  • We don’t have any breed-specific health exclusions. Pets over 8 weeks and under 14 years of age can enroll for lifelong coverage.

An Overview of Trupanion’s Policy

Effective March 1, 2013

We believe pet insurance should be easy to understand so we’ve worked really hard to make our policy as un-insurance-like as possible. We also believe in transparency and want you to understand what you’re buying. This overview provides the highlights and the corresponding sections in our policy, but it is not a substitute for the full policy, which isn’t a bad read, so we encourage you to check it out. It’s our promise to you and your pet.

  • We have one simple plan
  • We pay 90% for the care of your pet should it get sick or injured
  • We don’t have any payout limits

We Cover: the actual cost of veterinary treatment if your pet develops an illness or has an accident, with no claim payments limits per year or per claim throughout the lifetime of your pet.

Your Monthly Premium is based on 8 factors.

X Monthly Premium (Section 1b)

Your monthly premium is found on the Declarations Page. The premium amount is determined by the following enrollment factors:
  1. Age at enrollment;
  2. Breed;
  3. Gender;
  4. Local cost of veterinary care, (i.e., by postal/zip code);
  5. Therapeutic pet food discount, as applicable;
  6. Deductible choice;
  7. Working pet activities;
  8. Rider A choice; and
  9. Rider B choice

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. There are some exclusions in our policy which are listed here.

X Additional Care Package (Section 7a - 7e)

Waiting Periods
  1. Illnesses that occur or recur within the first 30 days from the policy enrollment date (or from a policy enhancement date); or
  2. The cost of treatment for bilateral conditions presenting on one side of the body, if that condition was a pre-existing condition on the other side of the body (such as luxating patella or anterior cruciate ligament (ACL) weakness);
  3. Conditions arising from a repetitive and specific activity that leads to decontamination (i.e., the induction of vomiting, stomach pumping, or treatment with charcoal), medical, or surgical treatment of your pet, if the same or a similar activity has occurred two times within the 18-month period prior to the policy enrollment date.
  4. Abnormalities that are present at, or during the 18 months prior to, the policy enrollment date (even if they have not been previously detected and/or documented by a veterinarian). These include signs or conditions which are:
    • observable by, or reasonably known to be present by, the pet owner;
    • detectable by a routine physical exam by your veterinarian;
    • those which have been noted from diagnostic testing, screening or radiographs.

Preventive Care
Preventive care such as, but not limited to, vaccinations or titer test, flea control, tick control, heartworm medication, dental care and prophylaxis (meaning cleansing of tooth surfaces), deworming, nail trim, or other grooming.

Dental
Coverage for the cost of scaling, cleaning and polishing the teeth at any time, and for any reason.

Other Exclusions
We do not insure the costs, fees, or expenses associated with:
  1. Veterinary examinations;
  2. Injuries due to any intentional act, including organized dog fighting, by you or a member of your household;
  3. Elective, cosmetic, or preventive procedures, including but not limited to tail docking, ear cropping, declawing, dew claw removal, and ear cleaning;
  4. Boarding or transport expenses;
  5. Complications of conditions excluded or restricted by this policy;
  6. Anal gland expression. However, the cost to surgically remove the anal glands is eligible for coverage;
  7. Feeding, housing, exercise, special diets, pet foods, routine or preventive supplements, grooming, nail trims, shampoo and bathing (including medicated baths);
  8. Diagnostic tests for conditions or procedures excluded by this policy and/or due to complications of conditions excluded or restricted by this policy;
  9. Any claim for loss arising from a nuclear reaction, radiation, radioactive contamination or the discharge of nuclear device, whether controlled or uncontrolled, accidental or otherwise;
  10. Any claim for loss arising from a chemical, biological, biochemical or electromagnetic weapon, device, agent or material, whether controlled or uncontrolled, accidental or otherwise;
  11. Any claim for loss arising from war, invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolution, insurrection,strikes, riots, or civil commotion;
  12. Any condition resulting from activities related to training for or participating in track racing or sled racing; or
  13. Raw food diets

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

Adding the Additional Care Package to your policy will give you the most comprehensive pet insurance available in North America. For a full description of these treatments, please see the Additional Care Package details.

Working Pet Coverage: For this coverage to apply, you must specify at the time of enrollment which of the following working activities applies to your pet. An additional premium may apply:

  1. Breeding cats and dogs (breeding, whelping and queening);
  2. Service and therapy cats and dogs;
  3. Law enforcement dogs;
  4. Search and rescue dogs;
  5. Herding, hunting and sled dogs; and
  6. Guard dogs.

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.

X Pet Owner Assistance Package (Section 2d)

The following optional benefits (Rider B) are available, subject to an additional premium.
You must choose and pay for Rider B for coverage to apply:
  1. Liability coverage for third-party property damage;
  2. Advertising and reward;
  3. Boarding fees;
  4. Holiday vacation cancellation costs; and
  5. Cremation or burial
All benefits are subject to the terms and conditions of this policy. Coverage is in effect at the time and date shown on the Declarations Page, subject to the waiting periods.

Pet Owner Responsibilities: You must act prudently in the care and protection of your pet. You must protect the pet from aggravation and/or recurrence of any injury and/or illness after its initial occurrence and provide proper maintenance/preventive care.

See the following section in our policy for all pet owner responsibilities.

X Things You Must Do (Section 6a - 6f)

We care about and promote responsible pet ownership, and require you to do and pay for the following:
  • You must act prudently in the care and protection of your pet. You must protect the pet from aggravation and/or recurrence of any injury and/or illness after its initial occurrence and provide proper maintenance/preventive care.
  • Your pet must have an annual dental examination and, if recommended, prophylaxis (defined as ultrasonic scaling and polishing of the teeth). You must follow your veterinarian’s advice about dental care and treatment. Subject to the terms and conditions of this policy, we will pay dental claims if you comply with these requirements.
  • You must keep your pet vaccinated against the following:
    1. Dogs – Distemper, hepatitis, parainfluenza, parvovirus, rabies and any other condition for which vaccination has been recommended by your vet.
    2. Cats - Panleukopenia, rhinotracheitis, calici virus, rabies and any other condition for which vaccination has been recommended by your vet.
  • We will not pay claims for illnesses resulting from failure to comply with the vaccination guidelines described above, or other diseases that are preventable by vaccines, unless otherwise advised by your veterinarian.
  • You must arrange for your pet to be neutered or spayed prior to its first birthday. If you do not comply, no coverage shall apply for illness related to prostate problems, hormonal skin conditions, perianal hernias, testicular tumors, perianal tumors, mammary tumors, uterine and ovarian conditions, birthing, or injury due to fighting, collision with a motor vehicle, or aggressive behavior. This stipulation does not apply to pets where the timing of being spayed or neutered was in conjunction with their veterinarian’s medical recommendations, or to pets spayed or neutered within 60 days of being adopted.
  • Appropriate prophylactic medication as prescribed and dispensed by your veterinarian to protect against illness, including but not limited to lice, parasites, and fleas. We will not pay claims for illnesses or injuries as a result of your failure to comply with this requirement; and
  • Appropriate prophylactic medication and/or vaccination as prescribed and dispensed by your veterinarian to protect against tick-borne illnesses. We will not pay claims for illnesses or injuries as a result of your failure to comply with this requirement.

What You Pay: We pay 90% of coverable illnesses and injuries. You have a responsibility to pay for the following:

  • Veterinary Examination Fees;
  • Deductible (if you choose to have one);
  • 10% Co-Insurance;
  • Federal/State/Provincial/Local Taxes; and
  • Costs not covered by this policy.

What We Do Not Cover: We outline our policy’s exclusions such as pre-existing conditions and preventive care in this section.

X What We Do Not Cover (Section 7a - 7e)

Waiting Periods
  1. Illnesses that occur or recur within the first 30 days from the policy enrollment date (or from a policy enhancement date); or
  2. Injuries from an accident that occurs within the first 5 days from the policy enrollment date (or from a policy enhancement date).

Conditions Not Covered
  1. Illnesses for which any evidence and/or signs of their potential manifestation already exist at, or prior to, the policy enrollment date;
  2. The cost of treatment for bilateral conditions presenting on one side of the body, if that condition was a pre-existing condition on the other side of the body (such as luxating patella or anterior cruciate ligament (ACL) weakness);
  3. Conditions arising from a repetitive and specific activity that leads to decontamination (i.e., the induction of vomiting, stomach pumping, or treatment with charcoal), medical, or surgical treatment of your pet, if the same or a similar activity has occurred two times within the 18-month period prior to the policy enrollment date.
  4. Abnormalities that are present at, or during the 18 months prior to, the policy enrollment date (even if they have not been previously detected and/or documented by a veterinarian). These include signs or conditions which are:
    • observable by, or reasonably known to be present by, the pet owner;
    • detectable by a routine physical exam by your veterinarian;
    • those which have been noted from diagnostic testing, screening or radiographs.

Preventive Care
Preventive care such as, but not limited to, vaccinations or titer test, flea control, tick control, heartworm medication, dental care and prophylaxis (meaning cleansing of tooth surfaces), deworming, nail trim, or other grooming.

Dental
Coverage for the cost of scaling, cleaning and polishing the teeth at any time, and for any reason.

Other Exclusions
We do not insure the costs, fees, or expenses associated with:
  1. Veterinary examinations;
  2. Injuries due to any intentional act, including organized dog fighting, by you or a member of your household;
  3. Elective, cosmetic, or preventive procedures, including but not limited to tail docking, ear cropping, declawing, dew claw removal, and ear cleaning;
  4. Boarding or transport expenses;
  5. Complications of conditions excluded or restricted by this policy;
    • Anal gland expression. However, the cost to surgically remove the anal glands is eligible for coverage;
    • Feeding, housing, exercise, special diets, pet foods, routine or preventive supplements, grooming, nail trims, shampoo and bathing (including medicated baths);
    • Diagnostic tests for conditions or procedures excluded by this policy and/or due to complications of conditions excluded or restricted by this policy;
      • Any claim for loss arising from a nuclear reaction, radiation, radioactive contamination or the discharge of nuclear device, whether controlled or uncontrolled, accidental or otherwise;
      • Any claim for loss arising from a chemical, biological, biochemical or electromagnetic weapon, device, agent or material, whether controlled or uncontrolled, accidental or otherwise;
      • Any claim for loss arising from war, invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolution, insurrection, strikes, riots, or civil commotion;
    • Any condition resulting from activities related to training for or participating in track racing or sled racing; or
    • Raw food diets

Should you have any questions about pet insurance and the value Trupanion’s policy provides please contact us toll free at 800.569.7913. Our full policy is available here. It’s a good read!