Trupanion Policy Benefits
Trupanion is committed to providing the best value in pet insurance. Coverage is available at any veterinary practice, emergency care, or specialty hospital in the United States, Canada and Puerto Rico.
- We cover 90% of the costs* related to unexpected illness or injuries.
- Your 90% reimbursement is calculated from your actual veterinary invoice not from a predetermined benefits schedule.
- You determine the monthly premium amount that suits your budget.
- You choose the deductible amount – from none at all, to any amount between $50 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, as long as your pet has our insurance, there are no payment limits for covered illnesses and injuries.
- We never punish pets who have had claims by denying coverage after you’ve made claims or raising your rates because you make “too many” claims.
- We cover all hereditary and congenital conditions as long as symptoms or 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.
Trupanion’s Policy Was Created with You in Mind
Effective dates may vary depending on location. Please see below for your effective date.**
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 of our policy, but it is not a substitute for the full policy. We encourage you to take some time to familiarize yourself with the full policy and the details of the coverage.
We Cover: The actual cost you incur for the veterinary treatment of your pet for unexpected illnesses and injuries. We do not have claim payment limits, so you can continue to get veterinary treatment as long as your pet needs it.
Your Monthly Premium is based on several factors which reflect the cost of treating illnesses and injuries for pets similar to yours who also live in the area where you live. Besides your pet’s breed, age at the time of enrollment, gender, and your geographical location, the amount you selected for your deductible (if any) also impacts your premium amount. The lower your deductible amount, the higher your premium, and vice versa. New in 2014 — you can get a discount on your premium if your pet is spayed or neutered. Finally, if you include any of our optional riders, your premium cost would increase.
What You Pay: While we cover 90% of veterinarian costs that arise from your pet getting sick or injured, we ask you to cover a few items, too:
- Veterinary examination fees
- Deductible (if you choose to have one)
- 10% co-insurance
- Costs not covered by this policy
Recovery and Complementary Care Rider: When you add this optional package to your core policy for an additional cost, you are covered for all the services your veterinarian recommends, including the following 7 alternative care treatments:
- Physical therapy (rehabilitative therapy)
- Behavioral modification and therapy
Pet Owner Assistance Package: This package helps you cover some non-medical costs in certain unforeseen situations. It is often purchased by renters or people who travel frequently. These optional benefits are available subject to an additional premium:
- Liability coverage for third-party property damage
- Advertising and reward
- Boarding fees
- Vacation cancellation costs
- Cremation or burial fees
Breeding Rider: Covers illnesses and injuries relating to breeding, whelping, and queening. Learn more about our breeding pet rider.
Dental Coverage: Healthy teeth are important for a healthy body. We are here to help. We ask that you do your part to keep your pet’s teeth and gums healthy. Learn more about our dental coverage, including what we cover, what you must do to receive dental coverage, and dental treatments we don’t cover.
Prescription Diets, Herbal Therapy, and Supplements: We understand that these products can be valid and important ways to treat certain illnesses and injuries. If you choose to use any of these, they must be recommended by a veterinarian who has the right credentials to do so. Learn more about these products and our coverage of them.
Pet Owner Responsibilities: We care about and promote responsible pet ownership, which means you are responsible for the basic care and maintenance of your pet. For example, you must keep your pet appropriately vaccinated and protected against illnesses including internal and external parasites. Learn more about the things you must do and what we don’t cover if you do not follow these guidelines.
What We Do Not Cover: Our coverage does not extend to payments for pre-existing conditions or preventative care treatments such as vaccinations, flea control, or deworming. These are considered part of the everyday care of your pet. Learn more about pre-existing conditions, preventive care, and other exclusions.
*Terms and conditions apply.
**Effective date of May 1, 2014 in Canada and the following US states and the District of Columbia: Alabama, Arizona, Arkansas, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Michigan, Mississippi, Missouri, Montana, Nevada, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Dakota, Tennessee, Utah, Vermont, West Virginia, and Wisconsin.
Effective date of June 1, 2014 for the following US states: Alaska, Colorado, Connecticut, Delaware, Louisiana, Massachusetts, Nebraska, New Jersey, Texas, Virginia, and Wyoming.
Back to top