| Policy Term |
Month to Month |
| Effective Date |
The Effective Date will be listed on the Declarations
Page of your policy after you apply and are accepted. |
| Enrollment Age |
Pet must under 14 years of age |
| Cancellation Policy |
Ask for a current copy of their insurance policy
so that you may review their cancellation policy |
| Waiting Period |
5 days for injuries.
30 days for illnesses.
**Waiting Periods can vary by state. See actual policy or contact Trupanion to confirm the waiting periods for your state.
|
| Waiting Period for Cruciate Injury |
Standard waiting periods apply (30 day waiting period).
**Waiting Periods can vary by state. See actual policy or contact Trupanion to confirm the waiting periods for your state.
|
| Coverage When Travel Out of State or
Country? |
You can choose any licensed veterinarian in the US, Puerto Rico and Canada. This includes any other region under US or Canadian control including military bases.
Sample policies include Australia in this list. Website FAQ does not. |
| Can the Price of the Policy Increase as my Pet Ages? |
No, the policy premium won't increase due to your pet's age, BUT it may increase due to inflation or other reasons.
Contact the company for more information on when and how your premium may increase. |
| Does Coverage Stop Due to Age? |
Not Clear |
| What Happens when the Policy Renews? |
Chronic conditions will continue to be covered
as long as you do not go over your Maximum Payout. (Note:
Trupanion has an unlimited payout structure.) |
| Can the Price of the Policy Increase
if a Claim is Filed? |
No |
| Choice of Vet? |
You can choose any licensed veterinarian in the US, Puerto Rico and Canada. This includes any other region under US or Canadian control including military bases.
Sample policies include Australia in this list. Website FAQ does not. |
| Money Back Guarantee? |
There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim.
*May vary by state
|
| Surcharge for Visiting a Specialist or Emergency
Clinic? |
No |
| Referral needed to Visit a Specialist? |
No |
| Pre-certification Required? |
No |
| Additional Requirements |
**See actual policy or contact Trupanion for a
complete list of the requirements you are expected to adhere to in
order to maintain coverage. |
| Pet Insurance Policy Available for Pre-Purchase
Review? |
Sample
policy available online
|
| Species Covered |
Dogs and Cats |
Accident/Injury -
Baseline Coverage |
Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.
Does not cover veterinary exam fee.
|
Illness -
Baseline Coverage |
Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.
Does not cover veterinary exam fee.
|
| Behavioral Therapy Coverage |
[OPTIONAL]
Behavioral Modification Coverage is available for an additional fee
as part of the Recovery and Complementary Care Rider.
This rider must be purchased within the first 30 days following your Policy Enrollment Date.
**See actual policy or contact the company for a complete description of what types of Behavioral Therapy are covered
|
| Alternative Therapy Coverage |
[OPTIONAL]
Alternative Therapy Coverage is available
for an additional fee as part of the Recovery and Complementary Care Rider.
This rider must be purchased within the first 30 days following your Policy Enrollment Date.
**See actual policy or contact the company for a complete description of what types of Alternative Therapy are covered
|
| Pre-existing Conditions Policy |
Pre-existing conditions are not covered.
Pre-existing conditions are Illnesses or Injuries for which signs or evidence of their potential manifestation existed prior to enrollment or during the waiting period.
In some states, the period prior to the Policy Enrollment Date is limited to only 18 months.
**See actual policy or contact Trupanion for complete description of pre-existing
conditions. |
| Hereditary & Congenital Conditions Coverage |
[INCLUDED] Hereditary and congenital conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
These conditions are covered up to the Maximum Payout. Note: Trupanion has an unlimited payout structure.
(See 'Max Payout' section below) |
| Continual Coverage for Chronic Conditions
|
[INCLUDED] Continual coverage for chronic conditions
is included in policy.
Chronic conditions are covered up to the Maximum Payout. Note: Trupanion has an unlimited payout structure. (See 'Max Payout' section below)
|
| Chronic Conditions Policy |
Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting
period.
Chronic conditions are covered up to the Maximum Payout. Note: Trupanion has an unlimited payout structure. (See 'Max Payout' section below) |
| Cancer Coverage |
[INCLUDED] Cancer conditions are covered as long as
they are not pre-existing and have not occurred during the waiting
period. |
| Cancer Coverage Limits |
Cancer conditions are covered up to the Maximum Payout. Note: Trupanion has an unlimited payout structure.
(See 'Max Payout' section below) |
| Hip Dysplasia |
[INCLUDED]
Hip Dysplasia is covered as long as it is not pre-existing and has not occurred during the waiting period.
Standard waiting periods apply (30 day waiting period). May vary by state.
This condition is covered up to the Maximum Payout. Note: Trupanion has an unlimited payout structure.
(See 'Max Payout' section below)
|
| Prescription Drug Coverage |
[INCLUDED]
**See actual policy or contact Trupanion for full list of inclusions
and exclusions |
| Pregnancy Coverage |
[OPTIONAL]
Coverage of illnesses or injuries that occur during breeding and birthing is available for an additional fee. The pet must be enrolled under the Breeding Rider policy.
In some states, you must purchase this rider within the first 30 days following your Policy Enrollment Date
|
| Routine/Wellness Coverage |
[NO] - Routine Care is not covered or offered
as an addon
|
| Vaccinations |
[NO] - Routine Care is not covered or offered
as an addon |
| Spay/Neuter |
[NO] - Routine Care is not covered or offered
as an addon |
| Dental Care (Routine) |
[NO] - Routine Care is not covered or offered
as an addon |
| Dental Care (Illness/Accident) |
Dental illnesses are not covered if your pet hand any signs of dental disease that occurred prior to the enrollment date or during the waiting period.
What is covered varies by state.
See policy for limitations related to dental coverage.
There are things you must adhere to in order to receive dental coverage. See policy for details.
**See actual policy or contact Trupanion for complete description of their dental coverage for illness and injury.
|
| Bilateral Conditions Policy |
If signs or evidence of luxating patella, glaucoma, entropion, ectropion, elbow dysplasia, cataracts, cherry eye; and disease, weakness, instability, tear, partial tear, or rupture of the cranial cruciate ligament happen on one side of the body before they policy starts or during the waiting period, that condition will not be covered if it happens on the other side. Even if it happens after the waiting period.
How the policy is worded it is not clear if Hip dysplasia is treated the same way. Their description of Hip Dysplasia when it comes to pre-existing conditions is vague in this area.
In some states, the period prior to the start of the policy is limited to only 18 months.
**See actual policy or contact Trupanion for a list of medical
conditions that are considered bilateral and for a complete description
of their Bilateral Conditions Policy. |
Coverage - Overview
(please
read policy for full coverage details) |
Diagnostics and treatments due to illness and accidents
[Included] Hereditary & Congenital Disorders, Hip Dysplasia Coverage, Continual Chronic
Conditions Coverage, Cancer Coverage, Prescription Medications, Dental
Illness/Accident. (Refer to each category's section for limitations)
[Optional] Alternative Therapy Coverage, Behavioral Therapy Coverage,
Pregnancy Coverage (Refer to the category's section for limitations)
**See actual policy or contact Trupanion for full
list of inclusions, exclusions, limitations and conditions. |
What's not Covered - Overview
(partial listing, please read policy
for full details) |
- Pre-existing conditions
- Conditions that occur during the waiting period
- Veterinary exam fees
- Elective Procedures
- Routine Care
...See policy for a complete listing |
| Reimbursement |
90% |
| Deductible |
Deductible is per condition or injury Per Lifetime. You can choose a deductible from $0 - $1000. |
| Flat Deductible vs % Deductible |
Flat |
| Deductible Per Incident vs Annual Deductible |
Per Condition or Injury Per Lifetime. Once the deductible is met, it is for the lifetime of the pet for anything related
to that condition or injury. |
| How is Reimbursement Determined |
Reimbursement is based on Actual Vet Bill.
It is not clear if the reimbursements are calculated by taking the deductible first or the reimbursement percentage first.
|
| Max Payout Annually |
Trupanion does not have a maximum annual payout |
| Max Lifetime Payout |
Trupanion has an unlimited lifetime maximum
payout. |
| Max Payout per Incident |
Trupanion does not have a maximum payout per
incident |
| Max Payout Based on Body System |
Trupanion does not have a maximum payout based
on body system |
| Client Reimbursed or Vet Paid Directly |
You pay the veterinarian and then you are reimbursed
after you file the claim. |