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. You enroll your dog or cat between 8 weeks of age and before your pet's 14th birthday.
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.
Dog and cat against a white background

Common eligibility questions for Trupanion pet insurance

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

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.

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

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.

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

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.

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

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

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

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.

Is my pet eligible for hip dysplasia coverage?

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.

Trupanion Provides Peace of Mind

  1. One Simple Plan

    To get comprehensive coverage without complexity.

  2. 90% Coverage

    To ease your financial commitment in a time of worry.

  3. No Payout Limits

    To get your pet the best care, whatever the cost.

  4. Vet Direct Pay

    So you don't wait for reimbursement checks.


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