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Barks & Mewsings

The Trupanion blog

Trupanion Coverage: What We Cover

By: Kelli Rascoe

Young girl sits with a dog in her bed

When you first bring your new pet home, it is worthy to consider the importance of medical insurance for your pets and the essential role it will play in your new furry friend’s life. Consider, Trupanion coverage, provides high-quality lifetime coverage, compared to other competitors.

Whether you have a new puppy, kitten, or doting senior, knowing your pet is protected when the unexpected happens, is the peace of mind a pet owner needs.

Learn more about the advantage of Trupanion coverage and the value of medical insurance for pets and how it will help support you throughout your furry friend’s lifetime.

Trupanion coverage: for the lifetime of your pet

What you can expect with your Trupanion coverage*

Young boy sits with his arm around his Golden Retriever

As a new pet owner, it can be difficult to know exactly what will be needed for your new pet. Naturally, we know baby pets like puppies and kittens can be a bit unpredictable in terms of behavior, accidents, and getting into things they shouldn’t. Additionally, pets at all stages are curious by nature, and that is why we are here for those unexpected moments in life. Essentially, there is no way to know if your pet will become diagnosed with allergies, cancer, or arthritis, but you can prepare by having medical insurance coverage for pets in case they do.

For example, in regards to the Trupanion policy, we are here for those unexpected injuries and accidents. Further, we offer lifetime coverage for illnesses and medical conditions, as well as the treatment, surgeries, hospitalization, and medications associated with that lifetime medical condition.

If you are exploring your options and checking the value of medical insurance for your pets, consider Trupanion Coverage and if it is a right fit for your pet throughout their lifetime.

Details of Trupanion coverage*

  • Unexpected new injuries and new accidents
  • New Illnesses
  • Treatment
  • Surgeries
  • Medication
  • Specialty care
  • Hospitalization

Trupanion coverage: what the policy does not cover(direct policy exclusions)*

The Trupanion policy has some distinct direct policy exclusions, that we will not provide coverage for. Essentially, Trupanion coverage is there, for those unexpected circumstances, such as accidents and illnesses that happen throughout a pet’s life. Rather, the direct policy exclusions are things you can prepare, budget, and plan for your pet’s expenses as part of being a responsible pet owner.

Wellness/routine care

Although we place value and importance on wellness and routine care for your pets, it is something that you can plan for as part of your budget and pet’s needs. For instance, a round of vaccines and flea preventative are incredibly important but are an expectation as part of bringing a new pet home.

Here is a full list of wellness/preventative items we do not cover as part of our Trupanion coverage-

If wellness is something you are wanting for your pet, we highly recommend working with your vet on their recommendations. Wellness plans are helpful, and they provide important supplemental support for your pet’s well-being, growth development, and care.

Rather, we don’t consider wellness insurance, and Trupanion coverage is a policy for accidents and illnesses.

Pre-existing conditions*

If a pet is showing signs of any illness, injury, or condition prior to becoming a member and joining the Trupanion family, unfortunately, we will not be able to extend coverage to the condition. Furthermore, this is an industry standard across the pet industry in regards to medical insurance for pets. With that being said, once you enroll within a Trupanion policy, and go through standard waiting periods, non-related conditions that might take place throughout the pet’s lifetime are eligible to review.

Value of Trupanion coverage*

The peace of mind of having medical insurance empowers you to provide high-quality medical care throughout your pet’s lifetime. Consider the following:

A girl and her dog wearing birthday hats on the couch

Trupanion coverage: medical insurance throughout your furry friend’s life

Our pets are part of the family, and we want to ensure they are covered if something happens. Life is unexpected. We want to give our members the peace of mind they can count on for their furry family members. Likewise, the value of Trupanion coverage is being able to provide high-quality medical care throughout your pet’s life. We are here to support you through your pet’s journey.

*We love informed decisions. See our policy for full coverage details.

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Welcome to the Trupanion blog. A place to celebrate pets, pet health and medical insurance for cats and dogs.

This blog is designed to be a community where pet owners can learn and share. The views expressed in each post are the opinion of the author and not necessarily endorsed by Trupanion. Always consult your veterinarian for professional advice.

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