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 and illnesses, including hereditary conditions and cruciate ligaments without long waiting periods
Nationwide
Major Medical plan does not cover congenital or hereditary conditions (the things most likely to happen to certain breeds)
In all plans other than Whole Pet with Wellness, no coverage for cruciate ligament injuries until 12 months after enrollment
Can deny conditions previously covered at annual renewals
Embrace
No coverage for hip dysplasia until 12 months after enrollment
No coverage for supplements, vitamins, or food
Coverage options at enrollment may be reduced based on a pet’s breed
Fetch
No coverage for orthopedic issues until 6 months after enrollment
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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