Trupanion | Pet Insurance Review

Depending on your plan, Trupanion policy pays up to 100% of the bill for all eligible expenses once your deductible is met, if you have a deductible at all. Some of the things they cover are:

• All new, unexpected accidents and illnesses
• Hereditary conditions (like hip dysplasia, diabetes, etc.)
• Congenital conditions (like heart disease, cataracts, or liver disease)
• Chronic conditions (like allergies, or cancer)
• Diagnostic Tests
• Medically-necessary hospital stays
• Prescribed medications and supplements
• Prosthetic carts

There are three additional riders to expand your policy, if they are not included in your states core plan:

Recovery and Complementary Care

• Acupuncture
• Chiropractic Care
• Hydrotherapy
• Physical Therapy
• Behavioral modification
• Homeopathy
• Naturopathy
• Rehabilitative Therapy

Pet Owner Assistance

• Advertising and reward for lost pets
• Boarding fees if you are hospitalized
• Liability coverage for third-party property damage
• Cremation or burial for death due to accident or illness
• Vacation cancellation costs due to accident or illness

Breeding

• Whelping
• Queening
• Other injuries associated with breeding

The Trupanion policy* has no payout limits, so whether your pet needs one quick visit or a lifetime of care, your coverage won’t quit.
That can mean a big difference if your pet develops a chronic condition requiring extended care like allergies, diabetes, or even cancer.

If your Trupanion policy has a deductible, you can customize it to fit your budget. You can choose from $50 to $1,000 in increments of $5, or choose to have no deductible at all. Trupanion deductibles are per-condition and good for the life of your pet. That means no annual resets-once a deductible is met, you never have to pay the deductible for that condition again.

All new pets can enroll from birth until their 14^th birthday. Once your pet is enrolled, they can be enrolled for life

Waiting periods vary by state. Please see your states policy for full coverage details.
However, other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.

Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like:

• Examination fees
• Wellness and preventive care
• Elective, or cosmetic procedures
• Sales tax, where applicable

Like many other pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early!

* Terms and Conditions apply. Coverage may vary by state. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay.