Is your pet eligible for pet insurance?

There are two basic requirements to be eligible for lifelong pet insurance coverage from the Trupanion policy:

  1. All cats and dogs under 14 years of age are eligible to enroll for lifelong coverage.
  2. You live in the US, Canada, or Puerto Rico (including US and Canadian military bases).

After that, we welcome dogs and cats of every shape, size, and breed. Still have questions? Below, we answer some of the most common questions about eligibility.

Common eligibility questions for Trupanion pet insurance

Question
I just adopted my pet and I’m not sure how old they are, am I still eligible for pet insurance?

Answer
Yes! Your veterinarian will do his or her best to pinpoint your pet’s age and we'll use that best guess for your pet's policy.


Question
My pet is sick right now, will you still cover them?

Answer
While your pet's current sickness won't be covered under your pet insurance policy as it's a pre-existing condition, you can still get a policy for new injuries and illnesses down the road.


Question
I don’t have my pet’s medical records, can I sign up without them?

Answer
Yes. In many adoption cases for example, pets don't have medical records. If this is the case, we'll use the medical records from the shelter or from when you first started taking your pet to your veterinarian to process claims.


Question
My dog is 10 years old and has never had pet health insurance before, is that a problem?

Answer
Of course not! We don't discriminate based on your pet’s prior pet insurance coverage or lack thereof.


Question
I know I’m eligible for pet health care coverage, but I’ve heard about waiting periods — what are those?

Answer
Waiting periods are the time between when you enroll and when you're coverage becomes fully active. We have a 5 day waiting period for injuries and a 30 day waiting period for illnesses. As soon as those pass, your pet is covered for new mishaps and ailments. However, this means that if your pet gets sick or hurt during the waiting periods, they will be considered pre-existing and thus ineligible for coverage.


Question
Is my pet eligible for hip dysplasia Hip dysplasia is the abnormal formation of the hip in which the ball and socket do not properly fit together. Larger dog breeds are most prone to this condition, however small dog breeds and some cats can also be affected.coverage?

Answer
Yes, the Trupanion policy covers for hip dysplasia as long as it is not pre-existing to policy coverage. Give us a call if you have any other concerns with eligibility for hip dysplasia coverage. 

Terms and conditions apply. See the policy for details.