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Note: This information applies to pet owners who live in California, Idaho, Pennsylvania, South Carolina, Washington and Puerto Rico.

We’re here to answer your questions

If you've just received an Exam Day offer or want to learn how to get an Exam Day Offer
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What is an Exam Day Offer?

We created the Trupanion Exam Day Offer Program to introduce medical insurance for pets to pet owners with healthy, young pets that were recently examined by a veterinarian or adopted from a shelter or breeder. Pet owners receive the standard Trupanion policy with immediate coverage and a $250 deductible—that means no waiting periods! With an Exam Day Offer, the monthly costs for the first year of coverage are discounted. We also collect the first month’s discounted costs in equal amounts spread over months 2 through 12 of your first year.

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How do I get an Exam Day Offer?

Veterinarians, shelters, and breeders who are part of our Program can make the Offer available after either a veterinarian exam or adoption. Talk to your veterinarian, your shelter or your breeder to see if they provide a Trupanion Offer. To get started, you need to activate the Offer within 24 hours after the exam or adoption.

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How is it similar to enrolling in a standard policy?

Everything that’s covered in a standard policy is covered under our Exam Day Offer Program. There are no caps, limits, or penalties for filing claims. You’ll have access to our award-winning member support team, who are available 24/7 to answer any questions.

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

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How is it different from the standard policy?

If you activate the Offer within 24 hours after a veterinary exam or picking up your pet from a shelter or breeder, you will have immediate coverage for new injuries or illnesses that are not pre-existing. That means no waiting periods!

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

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What happens after I activate the Offer?

After you activate your Offer, you will need to contact us before the end of your first month of coverage and provide your payment information to avoid coverage ending. At this time you can decide to change your deductible or add the optional Recovery and Complementary Care rider to your coverage. If you do not contact us during this period to provide your payment information, your coverage will end. We will send you a notice telling you what payment is due and next steps to keep your coverage.

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What’s the catch?

There isn’t one. You don't need to provide payment information until you decide to continue coverage. We’re so confident that once you try out Trupanion, you’ll realize the value of protecting your pet and join the Trupanion family with 500,000 pets (and counting).

How it works

  1. RECEIVE trupanion offer

    Get your offer from your veterinarian or one of our partner shelters or breeders.

  2. ACTIVATE offer

    Activate within 24 hours after your pet’s exam or adoption.


    Rest easy knowing your pet (and your bank account) are protected from the unexpected.


    Protect your pet for life and continue coverage after your offer period ends.

 Already have an offer?

Click to activate

What you get

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Call anytime (seriously, 24/7) during the next 30 days to add your payment details – but don’t worry, no upfront payment is needed for 30 days.
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Why wait? Offers waive waiting periods. So, instead of 5 days for accidents and 30 days for illness, anything not pre-existing, is covered from the day you activate.
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You get 90% coverage, at the veterinarian of your choice, with no payout limits for new, unexpected injuries and illnesses and access to 24/7 customer and claim support from our pet passionate staff.
We love informed decisions. See the policy for full coverage details.

Want more information?


All cats and dogs under 14 years of age are eligible to enroll for lifelong coverage. To use an offer from a veterinarian, your pet just needs to have received an exam within 24 hours.


What's covered?

  • Illnesses & injuries
  • Hereditary & congenital conditions
  • Diagnostic tests
  • Surgeries
  • Medications & supplements
  • And much, much more

What's not covered?

  • Exam fees
  • Sales tax where applicable
  • Wellness and preventive care
  • Pre-existing conditions
Click to activate

Our promise

We promise to never increase your monthly payments due to your pet aging or just because your pet has been unlucky and has faced some medical issues. That’s our promise—simple and fair.