Woman kisses her puppy

Understanding your excess options

What’s an excess?

The excess is the portion of your bill you’re responsible for before your cover kicks in. Depending on your excess amount and the cost of your pet’s treatment, you may meet your excess with a single claim—or it could take a couple claims for you to meet it.

Trupanion offers an excess that works for you.

Trupanion offers an optional, flexible excess that gives you the power to choose an excess of any amount up to $1000—or you can opt for no excess at all. This is a lifetime per condition excess—once it’s met, you’ll never have to pay it again.

We love informed decisions. See the policy for full cover details.

Choose your excess – save now or save later.

The higher your chosen excess, the lower your monthly premium. The lower the excess, the sooner you will receive payouts for your pet’s condition.

With the Trupanion policy, you can change your excess to make sure cover works for your budget and your pet’s needs—from $0 to $1000—to adjust your monthly premium price.

At the end of the day, the most important thing to do is to choose an excess and monthly cost that works for you.

Excess Chart showing slider with price options

Lifetime, per condition excess

Lifetime Per Condition

Trupanion provides a lifetime, per condition excess. Once you meet your excess for a condition, you never have to pay it again.

90% Excess

Once you meet your excess, your cover applies to anything related to that condition for the rest of your pet’s life—including chronic illnesses like allergies or diabetes.

Unique Coverage Year after year

Most pet insurance companies offer an annual excess that resets every year. We don’t believe in punishing you for your pet’s birthday—so we don’t make you re-pay.

Clear up confusion about our lifetime, per condition excess


You’ll pay more with a lifetime, per condition excess.

Other providers use an annual excess, making you pay for the same condition over and over every year.


You pay an excess every time you go to the vet.

Sometimes it takes more than one vet visit to meet your excess, but once it’s paid, it’s paid for life.


You have to meet your excess every year.

Some pet insurance companies use an annual excess that resets every year. Trupanion doesn’t.


Your cover is limited because of the excess you choose.

You get the same 90% cover from Trupanion’s one simple plan no matter what excess you choose.

Trupanion excess is especially helpful for chronic conditions:


  • Arthritis
  • Heart disease
  • Cancer
  • Diabetes
  • Epilepsy
  • Liver disease
  • Skin allergies


  • Heart disease
  • Kidney disease
  • Diabetes
  • Asthma
  • Liver disease
  • Pancreatitis
  • Hyperthyroidism

Every pet is different.

Depending on whether they’re young or getting their first grey hairs, the best excess varies from pet to pet.
To find the best option for you, call our pet-loving experts.

Find the right excess for your pet with a quick quote