What isn’t covered by Trupanion?

While we’d love to be able to cover everything, there are unfortunately some things not covered by a Trupanion policy:

  • Exam fees and taxes, where applicable
  • Wellness and routine care (flea and tick control, spay/neuter, vaccinations)
  • Pre-existing conditions
  • Preventable conditions (certain parasites, dental conditions that arose when routine veterinary cleanings were not done, etc.)
  • Exam fees
  • Any applicable taxes
  • Wellness and preventive care (parasite control, spay/neuter, vaccinations)
  • Pre-existing conditions

Coverage details may also depend on your location. Select your location on our sample policy page to view the plan your pet is eligible for.

Certain alternative therapies and treatment types are also excluded unless the Recovery and Complementary Care Rider* is added to the policy prior to the onset of any condition to be treated with the alternative therapies. See applicable policy overview for details.
*For an additional cost.

How do I know what conditions aren’t covered for my pet?

When you sign your pet up for Trupanion, you will receive a Medical Record Summary that details your pet’s health history. This report also lists any pre-existing conditions specific to your pet. These conditions will not be covered, so you can rest easy knowing what will be.

Related questions

Best friends deserve the best care

From lovable mutts to specific breeds, we help all kinds of dogs and cats get the veterinary treatment they need. We’re here for your pet for life.

Here for you, so you can be there for them

When your pet needs unexpected veterinary care, worrying about finances shouldn’t get in the way. Trupanion has your back, so you can focus on what matters most.

Because they're more than just pets

As a responsible breeder, you know your animals deserve the best veterinary care. Trupanion helps make that possible.

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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