We’re here to answer your questions

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 full 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.

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 of the exam or adoption.

How is it similar to enrolling in a full policy?

Everything that’s covered in a full 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.

How is it different from the full policy?

If you activate the Offer within 24 hours of the exam or picking up your pet from a shelter or breeder, you will have immediate coverage for any injury or illness that’s not pre-existing. That means no waiting periods!

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

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.

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).