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Trupanion Exam Day Offer frequently asked questions

The Trupanion medical insurance Exam Day Offer is designed to show pet owners the value of having pet insurance to help cover the veterinary costs of treating unexpected illnesses or injuries.

Once the Exam Day Offer is activated, pet parents can use it for 30 days of Trupanion coverage. If you have questions not answered here, please call our Hospital Support team at 877.589.1862.

Payment and cost questions

Does this Exam Day Offer have any upfront costs?
No. There are no upfront costs for the coverage that this 30-day Exam Day Offer provides.

Are pet parents responsible for any veterinary costs during the 30-day period?
Yes. Pet parents who visit veterinarians during the 30-day period are responsible for the exam fee and their portion of the bill (determined during sign up).

Does Trupanion collect pet owner payment information when the Exam Day Offer is activated?
Unless you are a resident of New York, we do not collect payment information when the Exam Day Offer is activated.

What would cause Trupanion to collect payment information from pet owners during the 30-day period?
We collect payment information upfront if you are a New York resident, or if you decide to enroll your pet for ongoing coverage.

Pet eligibility questions

Are all pets eligible for coverage with this Exam Day Offer?
All dogs and cats from birth until their 14th birthday are eligible for coverage from an Exam Day Offer within 24 hours after a veterinary exam.

Can a pet be covered by this Exam Day Offer more than once?
No. This program allows each pet one Exam Day Offer, period. Pet owners with multiple pets can obtain an Exam Day Offer for each of their pets. Pet owners who received, but did not activate, an Exam Day Offer previously may receive another at their next regularly scheduled exam.

Coverage questions

Is the coverage offered in the Exam Day Offer the same as what is offered in the standard Trupanion policy?
Yes. The coverage offered with this Exam Day Offer is the same coverage offered by our standard policy.

Do waiting periods apply during this 30-day coverage period?
No. Once the Exam Day Offer is activated, there are no waiting periods for coverage.

If a pet owner makes a claim during the 30-day period, will that condition be considered pre-existing after the Exam Day Offer expires?
It depends. If the pet owner extends their coverage by enrolling with us during the 30-day period, conditions found during the 30-day period are not be considered pre-existing. If the pet owner allows the Exam Day Offer to expire and decides to enroll with Trupanion at a later date, then any previous conditions are considered pre-existing.

Do pet owners need to cancel coverage if they have not converted to a standard Trupanion policy by the time their Exam Day Offer expires?
No. If pet owners do not wish to convert their Exam Day Offer, the coverage will just end after the 30 days.

Exam Day Offer questions

Is there a waiting period that applies if an Exam Day Offer recipient enrolls with Trupanion after their Exam Day Offer has expired?
Standard delays apply if the Exam Day Offer has expired and the pet parent has not enrolled with Trupanion. This is a key reason why pet parents should activate their Exam Day Offers within the 24-hour activation window.

Can pet owners still take advantage of the Exam Day Offer program if they do not activate the Exam Day Offer within the 24-hour period after their pet’s complete veterinary exam?
No. To be eligible for this program, pet owners must call or go online to activate the Exam Day Offer by no later than midnight of the day following the exam. NOTE: If they miss this period, you may give them a new Exam Day Offer at their next regularly scheduled exam.