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