Trupanion certificate frequently asked questions

The Trupanion Medical Insurance Certificate 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 certificate is activated, pet owners can use it for 30 days of coverage under our standard Trupanion policy.* If you have questions not answered here, please call our Hospital Support team at 877.589.1862.

Payment and cost questions

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

Are pet owners responsible for any veterinary costs during the 30-day period?
Yes. Pet owners who visit veterinarians during the 30-day period are responsible for the exam fee, applicable taxes, and the 10% copay. Whether they pay a deductible depends on where the pet owner received the certificate. Deductible information is provided upon activation.

Does Trupanion collect pet owner payment information when the certificate is activated? 
No. We do not collect payment information when the certificate is activated.

What would cause Trupanion to collect payment information from pet owners during the 30-day period?
We collect payment information if pet owners decide to enroll their pet for ongoing coverage or if they decide to add an optional rider.

Pet eligibility questions

Are all pets eligible for coverage with this certificate?
The Trupanion policy allows dogs and cats to be enrolled anytime from birth until their 14th birthday, for true lifelong coverage.

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

Coverage questions

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

Do the waiting periods (5 days for injuries and 30 days for illnesses) apply during this 30-day period?
No. Once the certificate is activated, there are no waiting periods for coverage.

What is not covered with this certificate? 
Treatments and benefits in our optional riders (Recovery and Complementary Care Rider and Pet Owner Assistance Rider) are not covered, unless the pet owner has specifically asked for and paid for those riders. Please see our policy for details.

Can pet owners add coverage from the optional Trupanion riders (Recovery and Complementary Care Rider and Pet Owner Assistance Rider) during the 30-day period? 
Yes. These can be added at any time, including during the 30-day certificate period. There is a cost for these, so payment information would be required. Pet owners should call us to add this coverage for cost.

If a pet owner makes a claim during the 30-day period, will that condition be considered pre-existing after the certificate 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 certificate to expire and decides to enroll with Trupanion at a later date, than any previous conditions is considered pre-existing.

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

Do pet owners need to cancel coverage from any optional riders they may have paid for during the 30-day period? 
Yes. If pet owners have selected to add and pay for the optional riders, they will need to cancel that payment.

Certificate questions

Will the normal Trupanion policy waiting periods apply if a certificate recipient enrolls with Trupanion after their 30-day certificate has expired?
Yes. These waiting periods will apply if the certificate has expired and the pet owner had not converted to full Trupanion coverage. This is a key reason why pet owners should convert their certificates during the 30-day period.

Can pet owners still sign up for the certificate program if they do not activate the certificate 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 certificate by no later than midnight of the day following the exam. NOTE: If they miss this period, you may give them a new certificate at their next regularly scheduled exam.

Other questions

Will pet owner information ever be shared or sold?
No. At Trupanion, we respect our customers’ privacy and strive to maintain their trust. We do not sell pet owner information to anyone for any reason. We have physical, electronic, and procedural security measures in place that comply with legal standards to protect personal information. See Trupanion’s Privacy Policy for full details.

Who should I call if I have questions? 
If you have questions, please call our Hospital Support team at 877.589.1862.

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