What Does Trupanion Pet Insurance Cover?

Trupanion pet insurance is a popular choice for pet owners who want to protect their furry friends from unexpected veterinary expenses. But what exactly does Trupanion cover? Read on to learn more about the company's coverage options, exclusions, and more.

Covered Conditions

Trupanion covers a wide range of conditions, including:

1. Accidents: This includes injuries such as broken bones, lacerations, and burns.

2. Illnesses: This includes diseases such as cancer, diabetes, and heart disease.

3. Hereditary Conditions: This includes conditions that are passed down from a pet's parents, such as hip dysplasia and elbow dysplasia.

4. Behavioral Problems: This includes issues such as aggression, anxiety, and destructive chewing.

5. Dental Problems: This includes conditions such as tooth decay, gum disease, and abscesses.

6. Alternative Therapies: This includes treatments such as acupuncture, chiropractic care, and hydrotherapy.

Exclusions

Trupanion does not cover the following:

1. Pre-Existing Conditions: This includes conditions that a pet had before the policy was purchased.

2. Elective Procedures: This includes procedures that are not medically necessary, such as cosmetic surgery.

3. Preventative Care: This includes routine checkups, vaccinations, and spaying or neutering.

4. Breeding Expenses: This includes costs associated with breeding a pet.

5. Cosmetic Procedures: This includes procedures that are performed to improve a pet's appearance, such as tail docking and ear cropping.

Reimbursement Options

Trupanion offers a variety of reimbursement options to policyholders:

1. Percentage of Actual Costs: This option reimburses policyholders for a percentage of the actual veterinary expenses incurred.

2. Scheduled Fees: This option reimburses policyholders for a set amount of money for specific procedures.

3. Lifetime Coverage: This option provides coverage for a pet's entire life, regardless of its age or health status.

Deductibles and Limits

Trupanion offers a variety of deductibles and limits to choose from:

1. Deductible: This is the amount of money that a policyholder must pay out-of-pocket before Trupanion begins to reimburse expenses.

2. Annual Limit: This is the maximum amount of money that Trupanion will pay out for covered expenses in a single year.

3. Lifetime Limit: This is the maximum amount of money that Trupanion will pay out for covered expenses over the life of a pet.

How to File a Claim

To file a claim with Trupanion, policyholders must:

1. Submit a claim form: Claim forms can be downloaded from Trupanion's website or obtained from a veterinarian.

2. Attach documentation: Documentation such as veterinary invoices and medical records must be attached to the claim form.

3. Send the claim form and documentation to Trupanion: Claim forms and documentation can be mailed or faxed to Trupanion.