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Home > Insurance > Does Trupanion Pet Insurance Cover Emergency Visits? 2024 Update

Does Trupanion Pet Insurance Cover Emergency Visits? 2024 Update

veterinary surgeon treating dog in surgery

If you have a pet and live in the United States, you probably know that vet care can be expensive. Even with health insurance covering most of the costs, pet parents can still end up spending a small fortune on unexpected treatments or procedures. While most pet owners would do anything to keep their furry friends safe and healthy, not everyone is fortunate enough to have the means to cover these expenses if they arise. That’s why pet insurance has become so popular in recent years. Trupanion covers emergency vet visits in most cases, but what is covered and how much reimbursement you receive depends on your plan.

Let’s take a closer look at what Trupanion pet insurance does and doesn’t cover to help you prepare for the unexpected!

divider-multipetWhat Is Trupanion Pet Insurance?

Trupanion pet insurance is a type of health insurance specifically designed to cover unexpected or out-of-pocket costs associated with the treatment of pets. In other words, if your pet is diagnosed with a health condition, sustains an injury, or gets sick, Trupanion will help you cover the associated costs.

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Does Trupanion Cover Emergency Visits?

Trupanion offers emergency coverage that reimburses costs for all unexpected vet visits. It reimburses up to 90% of all vet bills for emergency care and has no payout limits, so you don’t have to worry about maxing out your coverage.

Costs that receive reimbursement under Trupanion include:
  • Hereditary conditions, like elbow and hip dysplasia, diabetes, respiratory infections, thyroid disease
  • Injuries
  • Vomiting
  • Diarrhea
  • Cough
  • Weight changes
  • Diagnostic testing
  • Surgery
  • Hospital stays
  • Medications
  • Supplements
  • Herbal therapies
  • Prosthetic devices

Many other conditions can also receive coverage through Trupanion. The key is that the illness or injury is unexpected and did not exist prior to your obtaining insurance coverage.

Trupanion Benefits

There are several benefits of having Trupanion pet insurance coverage if your pet requires veterinary care:
  • Fast turnaround on claims
  • Simple online process for filing claims
  • Coverage for hereditary or congenital conditions
  • Coverage for behavioral or training issues
  • No annual cap on payouts
  • Coverage available for animals of any age

Trupanion Exclusions and Limitations

As with any insurance policy, Trupanion doesn’t cover everything. Here are a few limitations to its policies:
  • Does not cover every health condition
  • Only offers coverage for accidents and sudden illnesses
  • Does not cover pre-existing conditions
  • Will not cover elective surgeries
  • Does not cover any diagnoses related to bites or attacks by other animals

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divider-multipetFinal Thoughts

Trupanion pet insurance offers some of the best coverage and reimbursement rates available if you are looking for emergency coverage for your pet. While there are exclusions to the coverage, these are few and far between regarding emergencies. Trupanion makes it easy to submit your claims and receive your money. Since there are no caps on your payout, you won’t have to worry about how much an urgent vet visit costs.

Featured Image Credit: VP Photo Studio, Shutterstock

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