Trupanion pet insurance offers pet parents 90% reimbursement for veterinary bills and GapOnly services at participating veterinarians.
The highlight of Trupanion pet insurance is the unlimited maximum claim limit, which means that no matter how many times your furry friend needs veterinary care in a year, you can always be sure that you will be able to file a claim. This unlimited coverage also includes ticket paralysis–no sublimits.
Unfortunately, like many other pet insurance providers, Trupanion does not include routine care in its pet insurance offering. While others offer some routine care needs for a comprehensive policy, Trupayon does not offer routine care coverage as an add-on.
Additional details on Trupanion pet insurance inclusions and exclusions are listed below.
Is spaying and neutering covered?
Trupayon does not offer standard care in the policy, nor is there an option to add standard care for an additional cost. Desexing (also called spaying and neutering) is considered routine and preventative care, and is therefore listed as one of the exclusions for coverage on Trupanion’s policy.
What about larger pets?
Yes. Unlike other pet insurance policies on the market, Trupanion covers pets up to 14 years of age (most policies cover up to eight or nine years of age maximum). A pet policy can be issued when it is eight weeks old.
Is there a subthreshold for tic paralysis?
There is no sublimity for tick paralysis. Tick Paralysis cover is included with other benefits, and there is no annual limit on claims.
Is dental treatment covered?
Yes, dental pain and injuries are covered by Trupanion Pet Insurance depending on certain conditions. These are:
- If your pet’s teeth have not been examined by a veterinarian in the 12 months prior to the policy inception, dental coverage will begin on the date of your pet’s first dental examination after the policy inception date.
- Any existing dental disease/injury found is not covered.
- Your pet’s teeth should be examined by a veterinarian at least once a year to ensure continued coverage.
- You should follow your veterinarian’s advice regarding your pet’s ongoing dental care;
- If your veterinarian recommends that your pet get dental care (scales and polishes), this should be done under the direct supervision or supervision of a veterinarian within the recommended time frame. If your veterinarian does not provide a recommended time frame, the prescribed treatment should be completed within 90 days from the date of their initial recommendation.
Related: A guide to understanding pet insurance