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
Though you can continue your coverage at any point, you'll get all of these great benefits if you continue today:
- Avoid a lapse in coverage and waiting periods
- Power to pick a monthly cost that's right for you
- Add optional riders for alternative therapies
Exam Day Offer FAQs
We created the Trupanion Exam Day Offer Program so you can get to know the Trupanion policy while you’re covered. Want the lowdown on our Offers? We answered some of the most frequently asked questions. The Program varies depending on where you live — so these FAQs are only valid for the certificate program in SC, ID, FL, NY, WA, PA, or Puerto Rico. If you don’t live in one of these areas, learn about your Offers here.
Offers provide pets 30 days of medical insurance coverage from the full Trupanion policy with:
- No upfront payment
- No waiting periods
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)
Great! We still encourage you to activate your Offer because it waives waiting periods. That way your pet receives immediate coverage without any lapses.
If in the future you change your mind and want to protect your pet, your pet’s coverage will have the standard waiting periods of 5 days for injuries and 30 days for illnesses.