Recovery and Complementary Care
For an additional premium and when the Policy Declarations indicates that the RECOVERY AND COMPLEMENTARY CARE RIDER applies, your policy coverage is extended to include the following:
Physical Therapy (Rehabilitative Therapy)
Physical or rehabilitative therapy is the use of therapeutic exercises and other healing modalities to help pets recover from acute and chronic health conditions resulting from illness, trauma, or surgery. It must be recommended by your veterinarian and provided by or under the supervision of a licensed veterinarian or a qualified professional (e.g., a registered and credentialed member of the Canine Rehabilitation Institute, the American Association of Rehabilitation Veterinarians, and/or Diplomate American College of Veterinary Sports Medicine and Rehabilitation).
The insertion of needles into specific points on the body to cause a desired healing effect, provided by or under the direct supervision of a licensed veterinarian or a registered and certified member of the International Veterinary Acupuncture Society, and/or the American Academy of Veterinary Acupuncture.
Hydrotherapy involves the use of water to aid in the healing and/or conditioning of a patient. Pets either swim in a pool or tank for prescribed periods of time, or walk on an underwater treadmill. Hydrotherapy is used in the treatment of osteoarthritis, orthopedic conditions, neurological conditions, and muscle, ligament, and other soft tissue injuries. It must be recommended by your veterinarian and provided by or under the direct supervision of a licensed veterinarian or a qualified professional (e.g., a registered and credentialed member of the Canine Rehabilitation Institute and/or the American Association of Rehabilitation Veterinarians).
Behavioral Modification and Therapy
A systematic approach to changing behavior, including a pet's reaction to a situation, a person, a thing, an animal, etc., provided by or under the direct supervision of a licensed veterinarian or a registered and credentialed member of Certified Applied Animal Behaviorists, and/or Diplomate American College of Veterinary Behaviorist.
A system of health care that concentrates on care of the whole animal by methods that are specific, gentle, and sympathetic to the body's needs. Homeopathy is based on the utilization of specially prepared, refined dilutions of natural substances intended to trigger a healing response in a patient. Homeopathic care must be provided by or under the direct supervision of a licensed veterinarian who is ideally a registered and certified member of the Academy of Veterinary Homeopathy.
Naturopathy is a system of treatment of disease that avoids drugs and surgery, and emphasizes the use of natural agents (air, water, and herbs) and physical means (tissue manipulation and electrotherapy). Naturopathy is a holistic approach founded on the belief that diet, mental state, exercise, breathing, and other natural factors are central to the origin and treatment of disease. Most naturopathic doctors use a variety of therapies and techniques (such as nutrition, behavior change, herbal medicine, homeopathy, and acupuncture). Naturopathic care must be provided by or under the direct supervision of a licensed veterinarian who is ideally a registered and certified member of the Academy of Veterinary Homeopathy, or a registered and certified member of the International Veterinary Acupuncture Society, and/or the American Academy of Veterinary Acupuncture, or a Certified Veterinary Herbalist, food Therapist or Tui-na Practitioner.
Like with all Trupanion coverage, alternative treatments must be given by or under the supervision of a licensed veterinarian, and cannot be covered if the condition being treated is pre-existing. All other policy provisions apply.
Pet Owner Assistance
Third party property damage liability coverage
We will pay all sums, up to $25,000, which you become legally liable to pay as compensatory damages because of unintentional property damage arising out of the actions of your pet(s) named in the policy.
Advertising and reward
If your pet is lost or stolen, we will pay up to $500 for the cost of local newspaper advertising, including any reward incurred by you in order to recover your pet.
We will pay up to $500 for the cost of boarding your pet at a boarding licensed kennel or cattery to look after your pet if you are hospitalized for more than 4 days following an accident or illness, which began more than 30 days after the inception date of this policy. We will not pay more than $25.00 per day or more than the maximum benefit in any occurrence.
Holiday vacation cancellation costs
If your pet requires urgent, lifesaving medical treatment, we will pay up to $1,000 for travel and accommodation expenses you are not able to recover while you are on holiday vacation or up to 7 days before you leave for a vacation holiday.
Cremation or burial
We will pay up to $100 for cremation or burial expenses should your pet die from an accident.
What's a one-time administration fee?
One time administration fee: This is used to cover account setup and is only charged once, even if you add more pets to your policy.
What's a one-time Medical Record Summary fee?
Within the first 30 days of enrollment, Trupanion will create a personalized Medical Record Summary that details your pet's health history and lists anything that existed before you had coverage.
Understanding your plan
You can choose the deductible that's right for you, ranging anywhere from $0 to $1,000. This amount will alter your monthly (premium) payment. The higher the deductible, the lower the premium. You only pay a deductible once per condition, and then your 90% payout begins - for life.
No payout limits
Every Trupanion policy includes the peace of mind of no caps on payouts. With no per incident, annual, or lifetime limits, you can choose the best care possible for your pet.
Trupanion covers 90% of eligible costs for all unexpected illnesses and injuries, so you can rest assured your pet can receive the care they deserve.
Understanding your plan
This is the percent that Trupanion will cover of eligible costs from your veterinary bill. Customize your payout percent to tailor a price that works for you and your pet.
With a Trupanion plan, you can forget about deductibles. Your coverage kicks in the day your plan starts -- no more having to pay hundreds of dollars before receiving any type of payout.
Uncapped payout limits
A Trupanion policy will never limit your coverage with caps or financial ceilings of any kind. With no per incident, annual, or lifetime limits, you can choose the best care possible for your pet without having to hit a predetermined financial ceiling.
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We need a few more details to start coverage. Please go to pet info page and fill in the required details. Questions? Give us a call at 855.405.3753.
To continue, your pet needs to have had a veterinary exam within the last 12 months.
Find a veterinarian near you and schedule an appointment today.
What’s a New York Exam Day offer?
Because of your pet's recent veterinary exam or adoption, you’re eligible for coverage for that begins immediately.
Offers waive our standard waiting periods, so protection kicks in when you activate.
Trupanion covers your pet’s condition for life with no cap on what we pay.
You get 90% coverage on new, unexpected injuries and illnesses.
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Add another pet to your policy
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You can enroll pets up to 14 years old.
Your primary veterinary hospital is where you take your pet for their annual exams, vaccines, and other routine procedures.
Veterinary hospital visits are required prior to enrollment to ensure accurate and up-to-date medical records for coverage exclusions.