Trupanion Pet Insurance

Coverage

If you’re looking for excellent accident and illness coverage then Trupanion insurance is a great choice. Here is a detailed breakdown of how we evaluate Trupanion coverage.

Enrollment Requirements

Trupanion Enrollment Requirements

You must provide all medical history and records associated with your pet. You also authorize Trupanion to contact any and all veterinary clinics or hospitals in your area to obtain all available medical records that exist for your pet. Trupanion allows pets to enroll from the time of birth to their 14th birthday.

Policy Exclusions

A. WAITING PERIODS:

I. Illnesses that occur or reoccur within the 30 days following the Policy Enrollment Date are deemed pre-existing Conditions and not eligible for coverage.

II. Injuries that occur within the 5 days following the Policy Enrollment Date are deemed pre-existing Conditions and not eligible for coverage.

B. PRE-EXISTING CONDITIONS:

I. Illnesses or Injuries for which signs or evidence of their potential manifestation existed within the 18 months prior to the Policy Enrollment Date.

II. Illnesses or Injuries masked or controlled by treatment or Medication at any time during the 18 months prior to the Policy Enrollment Date.

III. Illnesses or Injuries that occurred or began within the 18 months prior to the Policy Enrollment Date and would have been observable or reasonably known to be present by You or Your Veterinarian or that are evidenced by the presence of typical signs, even if they are not noted in Your Pet’s medical records.

IV. The Actual Cost of Treatment for the following if signs or evidence presented on either side of Your Pet during the period 18 months prior to the Policy Enrollment Date through to and including the 30 days after the Policy Enrollment Date: luxating patella, glaucoma, entropion, ectropion, elbow dysplasia, cataracts, prolapse of the tear gland of the third eyelid (cherry eye), and disease, weakness, instability, tear, partial tear or rupture of the cranial cruciate ligament.

V. Hip dysplasia if there was any sign or evidence of the potential manifestation of the Condition any time prior to the Policy Enrollment Date or if the Condition was reasonably known to be present by You, even if not noted in Your Pet’s medical records.

VI. Illnesses or Injuries that arise from a repetitive and specific activity that leads to medical or surgical treatment of Your Pet (e.g., ingestion of foreign materials and bite wounds) if the same or similar activity occurred two times within the 18 month period prior to the Policy Enrollment Date.

VII. The Actual Cost of Treatment for any cutaneous or subcutaneous mass if cutaneous or subcutaneous mass(es) of the same type (determined by diagnostic testing or medical records descriptions) are present during the 18 months prior to the Policy Enrollment Date through to and including the 30 days after the Policy Enrollment Date.

VIII. The Actual Cost of Treatment relating to intervertebral disc disease if there was any sign or evidence of the potential manifestation of it in any part of the spine prior to the Policy Enrollment Date or during any applicable waiting periods.

C. OTHER EXCLUSIONS:

We do not cover at any time or for any reason the costs, fees, or expenses associated with:

I. Examinations;

II. Administrative charges and Taxes;

III. Processing of insurance claims and transmission of medical records;

IV. Preventive care; Injuries due to any intentional act that involves You, or a member of Your household;

VI. Breeding, Illnesses or Injuries related to breeding, whelping, and queening unless You add the Breeding Rider to Your policy;

VII. Elective, cosmetic, or preventive procedures, including, but not limited to: tail docking, ear cropping, declawing, dew claw removal, and microchip implantation;

VIII. Vaccinations, titer tests, flea control, tick control, heartworm Medication, and deworming;

IX. Boarding, medical boarding or transport expenses;

X. Complications or sequelae to Illnesses, Injuries, procedures, diagnostic tests, treatments and/or Medications excluded or restricted by this policy;

XI. Anal gland expression;

XII. Bedding, housing, crates, cages, ramps, feeding bowls / platforms, feeding, exercise, non-prescribed special diets, raw food diets, Pet foods, routine or preventive supplements (unless covered under section 8.C.), bathing, non-medicated shampoo, grooming, nail trims, ear cleaning, ear irrigation, toys, clothes, leashes, collars, and treats;

XIII. Any Illness or Injury resulting from activities related to training for or participating in racing, including track or sled racing;

XIV. Spaying or neutering at any time or for any reason unless recommended by Your Veterinarian following an Illness or Injury that involves damage to the reproductive organs;

XV. Parasite control, including, but not limited to: internal or external parasites;

XVI. Cremation and burial;

XVII. Optional coverage not selected;

XVIII. Any claim for loss that arises from a nuclear reaction, radiation, radioactive contamination, or the discharge of a nuclear device or a chemical, biological, biochemical, or electromagnetic weapon, device, agent, or material, whether controlled or uncontrolled, accidental or otherwise; or

XIX. Any claim for loss that arises from war, invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolution, insurrection, strikes, riots, or civil commotion.

Note: List of exclusions pulled from Sample California policy TRU 00001 (v09.201601)