Monthly Cost
Monthly cost varies due to multiple factors including: your pet's breed, age at enrollment, and gender, the chosen deductible and the cost of veterinary care in your area.
Monthly premiums do not automatically increase just because your pet has a birthday or just because you file a claim.
Coverage
90% coverage for all new injuries and illnesses—once the deductible is met, Trupanion pays 90% of the remaining invoice.
Coverage for all hereditary and congenital conditions, as well as hip dysplasia without any additional waiting periods.
Alternative therapies, such as acupuncture, physical therapy, hydrotherapy, are available under the Recovery and Complementary Care Rider.
There is no coverage for travel costs to a veterinary practice or hospital or for house visits from your veterinarian.
There is up to $100 coverage for cremation if death is a result of an accident and the optional Pet Owner Assistance Package has been selected.
Trupanion pays off the invoice, up to “usual & customary” limits and has the ability to pay your veterinarian directly and in as little as 5 minutes. You simply pay your portion at check-out and Trupanion works with your veterinarian directly to take care of the rest.
Payout Limits
Unlimited lifetime coverage with no payout limits or caps.
Deductible
Offers a flexible deductible from $0 - $1000, to fit any budget and can be raised or lowered at any time.
A lifetime, per condition deductible means that once the deductible is met for a condition your policy begins paying out at 90% for anything related to that condition for the rest of your pet's life. *Trupanion say:"This is great for chronic conditions that can span the entirety of a pets life such as allergies or cancer".
Age Limits
The Trupanion policy allows you to enroll your pet from birth for true lifelong coverage. All cats and dogs under 14 years of age are eligible to enroll for lifelong coverage.
Once enrolled, pets stay insured regardless of age and coverage will not change.
Waiting Period
There is a 5-day waiting period for accidents and 30 day waiting period for illnesses.
No additional waiting periods for hip dysplasia, only the standard 30 days.
Exclusions
Examination fees and pre-existing conditions are not covered.
Wellness, preventative, elective, or cosmetic care are not covered.
Sales tax (where applicable).
