What doesn’t pet insurance cover?
Pets are unpredictable, but their health insurance shouldn’t be. We cover what many providers charge extra for or don’t cover at all, however we want to keep you informed by explaining the few things that aren’t covered.
Common things not covered by pet insurance
How Trupanion coverage compares
Coverage for new, unexpected injuries & illnesses with no annual payout limits or extended waiting periods
Petsecure
You are not fully covered until month 6
Coverage is capped at 80% and no direct vet pay option
Does not cover prescription food or alternative therapies
Pets + Us
Deductible amount is based on the age of your pet
Payout is limited to $7,500 or $15,000 per year
No direct vet pay option
Fetch
Payout is limited to $15,000 per year and no direct vet pay option
No coverage for congenital conditions
Six month waiting period for cruciate ligaments
Comparison information above is provided using publicly available information as of 01/15/2025 and is only meant to summarize program features, not a specific plan. Review each provider’s plan terms for more details. We work to provide fair and accurate comparison information. However, it may change from time to time and may not be updated immediately. If you are aware of any inaccuracies in the information provided, please email us at [email protected].
What about pets with pre-existing conditions?
While other pet insurance providers may leave things to guesswork, we want you to be informed. With Trupanion, you can request a Medical Record Summary when you enroll that details your pet’s health history. This report lists your pet’s pre-existing conditions, so you get a clear picture upfront of what won’t be covered going forward.
Because they're more than a pet
Your pet is your family, and now you can protect them like it. Whether they bark or meow, Trupanion is designed for the life of your furry friend.
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