FAQs on continuing your coverage
Thanks for trying us out! We want to make sure you know what you're getting when you continue coverage. Read below to learn more about continuing today.
Continue today for seamless coverage — don't pay until your 30 days are up!
Though you can continue your coverage at any point, you'll get all of these great benefits if you continue today:
- No payment collected until the end of the 30-day period
- Avoid a lapse in coverage and having to go through waiting periods
- Power to pick a premium that's right for you
- Add optional riders for alternative therapies and pet owner assistance
Certificate FAQs
We created our certificates so you can experience for yourself the benefits of pet insurance and provide peace of mind past the 30 days. Our certificate programs vary depending on where you live — so these FAQs are valid for certificate programs in all states in the US and Canada except CA, ID, FL, NY, WA, PA, and Puerto Rico. If you live in one of these outside areas, learn about your certificate here.
Certificates provide pets 30 days of medical insurance coverage from the comprehensive Trupanion policy with:
- No upfront costs
- No waiting periods
- No obligation
Certificates provide the full benefits of the comprehensive Trupanion policy — 90% coverage for the cost to treat new injuries and illnesses, including hereditary and congenital conditionss, with no payout limits. To learn more about coverage, check out the policy.
That means that you’re covered for all of this (and more) for eligible conditions:
- Diagnostic tests
- Surgeries
- Medications
- Hospital stays
- Supplements
- And much more
We never want to surprise you with any hidden exclusions or limits. The Trupanion policy does not cover:
- Routine preventive care
- Exam fees
- Sales tax (where applicable)
- Pre-existing conditions
While the Trupanion policy covers all new injuries and illnesses, like all pet insurance policies, it doesn’t cover pre-existing conditions. If you pet shows symptoms of a condition before activation, it’s considered pre-existing and ineligible for coverage.
While your policy picks up 90% of eligible treatment costs, we ask you to cover the other 10% plus a couple of other things:
- The exam fee
- Your $250 deductible (you can change this amount when you enroll)
- Sales tax (where applicable)