When does my coverage begin?

Trupanion has a five-day waiting period for injuries and a 30-day waiting period for illnesses. Unlike many other pet insurance providers, we do not have different waiting periods for specific conditions or pet ages.

Our simple waiting periods mean that injuries that take place five days after enrollment and any illnesses that develop 30 days after enrollment are eligible for coverage (as long as there's no evidence that the illness or injury already existed). Please note that any injuries that occur during the five-day waiting period or illnesses that begin during the 30-day waiting period are considered pre-existing and will therefore not eligible for coverage.

Why your location is important

Coverage effective dates may vary depending on your location. To view policy details that will be most similar to what your pet is eligible for, make sure your region is correct above. We also invite you to view our sample policy

Related questions


Best friends deserve the best care

From lovable mutts to specific breeds, we provide medical coverage that’s with you from the adorable puppy years to those sweet, sunset moments.


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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