Trupanion Pet Insurance

What Does Trupanion Pet Insurance Cover?

Trupanion offers coverage for unexpected illnesses and injuries under one comprehensive plan. It covers problems such as:

• Injuries such as a broken tooth or fractured bone
• Illnesses such as vomiting or diarrhea
• Hereditary conditions such as thyroid disease, upper respiratory infections, and elbow and hip dysplasia
• Congenital conditions such as heart disease, liver disease, nervous system issues and cataracts
• Surgeries
• Lab and diagnostic testing
• Hospitalizations
• Prescription medications
• Veterinary supplements
• Herbal therapy
• Lacerations

Trupanion Pet Insurance Extra Coverage Options

Trupanion gives pet parents extra benefits that can be added to a policy at an additional cost. These benefits include:

The Pet Owner Assistance Package. This helps pay for expenses outside of veterinary costs, including:

• Boarding fees if you are hospitalized
• Advertising and rewards for lost pets
• Liability coverage if your pet damages someone else’s property
• Vacation cancellation costs if you cancel your trip because your pet is ill or injured
• Burial or cremation costs if your pet dies due to an accident

The Recovery and Complementary Care Rider. This add-on covers non-clinical procedures, including:

• Acupuncture
• Chiropractic care
• Behavioral modification
• Physical therapy
• Homeopathy
• Hydrotherapy
• Rehabilitation therapy
• Naturopathy

What Trupanion Pet Insurance Doesn’t Cover

Just like other pet insurers, Trupanion applies exclusions to a policy, such as:

• Pre-existing conditions that happen before coverage starts
• Wellness care such as vaccinations, routine check-ups, or flea and tick prevention
• Accident and illness vet exam fees
• Sales tax if it applies to where you live

Trupanion Pet Insurance Waiting Periods

Pet insurance companies typically have what’s called a waiting period, which is the amount of time before your coverage begins to reimburse you for vet costs. After your waiting period expires, your pet insurance coverage will kick in.

• Trupanion has a five-day waiting period for injuries and a 30-day waiting period for illnesses.
• Pet owners in Florida have a 12-day waiting period for accidents and illnesses. This waiting period can be waived if you opt for the “Exam Day Offer Program.” Eligible pets have immediate, full policy coverage within 24 hours of their vet exam. Pet owners who visit the vet during the first 30-day period will be responsible for paying the vet’s exam fee, applicable taxes and a 10% copay.

Trupanion does not have an extended waiting period for other conditions, such as hip dysplasia or other orthopedic conditions.

Trupanion Pet Insurance Coverage Levels

Maximum annual limit options: Some pet insurance policies cap the amount they will reimburse you in a given year. Trupanion has no annual limits on its policies.

Deductible options: Before your coverage begins reimbursing you, you must pay a set amount toward vet costs, also known as the deductible. Unlike other pet insurers that have annual deductibles, Trupanion offers a per-condition deductible. With a per-condition deductible, you pay your deductible amount every time your pet experiences a new condition.

You can select a deductible amount between $0 to $1,000. Pet owners in Florida won’t have to pay a deductible.

Reimbursement options: After paying your deductible, your pet insurance company will reimburse you for vet costs up to a certain percentage, known as the reimbursement level. Trupanion offers a 90% reimbursement level.

About Trupanion Pet Insurance

Trupanion officially launched in 2000, when it sold its first policy.

Trupanion pet insurance is underwritten by American Pet Insurance Co. and insures about 500,000 pets. In addition to offering pet insurance, Trupanion supports pet charities that work to improve the well-being and health of pets around the nation.