FAQ’s for Exam Day Opportunity

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Is my pet eligible for this offer?

All dogs and cats before their 14th birthday are eligible for lifelong insurance from Trupanion. You must activate the Exam Day Offer within 24 hours of your pet’s veterinary exam received from one of our partner veterinary hospitals. Activation outside the 24 hour period or not from one of our partners is considered invalid.

Can I activate the offer at any time?

No, so don’t wait!
You need to activate your offer within 24 hours after your pet’s exam.

No Waiting Periods Upon Activation

Your certificate provides immediate cover with no waiting periods.

Industry-Leading Cover

You get one simple plan—our best one—with 90% cover and no payout limits for all new injuries and illnesses and no payout limits. $250 per condition excess is included with your cover.

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24/7 Member Support

You can reach our award-winning Member Experience team 24/7 to answer any questions.

What’s covered?

This offer provides the full benefits of our policy. That means you’re covered for all new injuries and illnesses, including:

  • Diagnostic tests
  • Surgeries
  • Medications
  • Hospital stays
  • Supplements
  • And much more

Your coverage includes a $250 per condition excess that you can change when you sign up.

What’s not covered?

We never want to surprise you with any hidden exclusions or limits, so here’s what we don’t cover:

  • Routine and preventative care (teeth cleaning, nail trimmings, and other things you can anticipate)
  • Consultation or Exam fees
  • Pre-existing conditions
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What are pre-existing conditions?

Pre-existing conditions are conditions that show signs before cover begins, and in this case this means prior to activating your Exam Day Offer. If you wait until your pet has an illness or injury to get pet insurance, that condition will not be covered.

Trupanion covers all new injuries and illnesses, there is no pet insurance provider able to cover pre-existing conditions.

We love informed decisions. See the policy for details.

Payment and cost questions

Does this Exam Day Opportunity have any upfront costs?
No. There are no upfront costs for the coverage that this 30-day Exam Day Opportunity provides.

Are pet parents responsible for any veterinary costs during the 30-day period?
Yes. Pet parents who visit veterinarians during the 30-day period are responsible for the exam fee and their excess ($250 excess applies for the offer period).

Does Trupanion collect pet owner payment information when the Exam Day Offer is activated?
We do not collect payment information when the Exam Day Opportunity is activated. You do not need to pay anything to activate the opportunity.

What would cause Trupanion to collect payment information from pet owners during the 30-day period?
If you decide to enroll your pet for ongoing coverage.

Pet eligibility questions

Are all pets eligible for coverage with this Exam Day Offer?
All dogs and cats from birth until their 14th birthday are eligible for coverage from an Exam Day Offer within 24 hours after a veterinary exam.

Can a pet be covered by this Exam Day Offer more than once?
No. This program allows each pet one Exam Day Offer, period. Pet owners with multiple pets can obtain an Exam Day Offer for each of their pets. Pet owners who received, but did not activate, an Exam Day Offer previously may receive another at their next regularly scheduled exam.

Coverage questions

Is the coverage offered in the Exam Day Opportunity the same as what is offered in the standard Trupanion policy?
Yes. The coverage offered with this Exam Day Opportunity is the same coverage offered by our standard policy.

Do waiting periods apply during this 30-day coverage period?
No. Once the Exam Day Offer is activated, there are no waiting periods for coverage.

If a pet owner makes a claim during the 30-day period, will that condition be considered pre-existing after valid Exam Day Offer expires?
It depends. If the pet owner extends their coverage by enrolling with us during the 30-day period, conditions found during the 30-day period are not considered pre-existing. If the pet owner allows the Exam Day Offer to expire and decides to enroll with Trupanion at a later date, then any previous conditions are considered pre-existing (including those that occurred during previous coverage periods).

Do pet owners need to cancel coverage if they have not converted to a standard Trupanion policy by the time their Exam Day Offer expires?
No. If pet owners do not wish to convert their Exam Day Offer, the coverage will just end after the 30 days.

Exam Day Opportunity questions

Is there a waiting period that applies if an Exam Day Opportunity recipient enrolls with Trupanion after their Exam Day Opportunity has expired?
Standard waiting periods apply if the Exam Day Offer has expired and the pet parent has not enrolled with Trupanion. This is a key reason why pet parents should activate their Exam Day Offers within the 24-hour activation window.

Can pet owners still take advantage of the Exam Day Offer program if they do not activate the Exam Day Opportunity within the 24-hour period after their pet’s complete veterinary exam?
No. To be eligible for this program, pet owners must call or go online AND activate the Exam Day Offer by no later than midnight of the day following the exam by a licensed veterinarian.