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Home > Insurance > Does Trupanion Pet Insurance Cover Medications and Prescriptions? 2024 Update

Does Trupanion Pet Insurance Cover Medications and Prescriptions? 2024 Update

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Trupanion Pet Insurance offers comprehensive accident and illness pet insurance plans for cats and dogs. Its plans cover a wide range of medical treatments and services, and you can expect Trupanion to help pay for your pets’ prescription medications.

Along with covering prescription medications, you may also receive assistance with paying for prescription foods. Here’s what you need to know about pet insurance and prescription medication before you purchase a plan.


Trupanion Pet Insurance Plans Cover Medication (with Exceptions)

Trupanion has an accident and illness plan that helps pay for medication. However, these medications must be related to the treatment and recovery of an illness or injury. Any kind of routine medication isn’t covered.

So, Trupanion may help pay for medications, like antibiotics and pain medication, if they’re prescribed for recovery. Preventative medications, like flea, tick, and heartworm pills, aren’t covered by Trupanion.

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Does Trupanion Cover Prescription Foods and Supplements?

Trupanion can help pay for prescription foods and supplements under certain circumstances. If your veterinarian prescribes supplements for treating a pet’s illness or injury, you can expect to receive reimbursements from Trupanion. However, supplements that are given to your pet for preventative or wellness purposes won’t be covered.

When it comes to prescription foods, Trupanion will help pay for 50% of the cost of prescription pet foods after you pay out your deductible. However, Trupanion only covers costs for up to 2 months. Prescription food must also be authorized by veterinarians for the treatment of eligible illnesses and injuries.

How Does Trupanion Pet Insurance Work?

Most pet insurance companies operate on a reimbursement system. So, you’ll have to pay your vet bill and submit the bill with a claim to get reimbursed. Trupanion follows the same model, unless your vet is in their network of veterinarians, in which case they can pay your vet directly.

Trupanion’s pet insurance plans have 90% reimbursement rates. This means that after you meet your deductible, Trupanion will start to reimburse you for 90% of the amount on your pet’s medical bills.

pet insurance claim concept
Image Credit:, Shutterstock

It’s important to keep in mind that Trupanion and other pet insurance companies do not help pay for medications related to any pre-existing conditions. So, if you apply for pet insurance, and your pet already has an illness or injury, you won’t receive coverage for any medications used to treat them. However, you can still expect to receive coverage for other unrelated treatments after your application is approved and the waiting period for your chosen plan ends.

Is Trupanion Right for Me?

Trupanion offers extensive coverage compared to many other pet insurance companies. Another highlight of this company is that it offers 90% reimbursement rates on all its pet insurance plans and has unlimited lifetime benefits. So, once your pet is covered by Trupanion, it’ll be covered for life.

One downside to Trupanion is that its premiums tend to be on the more expensive side. The company also offers only one type of pet insurance plan. So, if you have a relatively young and healthy pet, you may not end up utilizing most of the services covered under your plan while still paying high premiums.

So, if you’re looking for a cheap pet insurance plan that provides some support for any emergencies, Trupanion won’t be the best choice. If you’re willing to make a long-term investment, Trupanion will be able to help you pay for all kinds of treatments for your pet. Its plan also includes alternative therapies that aren’t commonly covered by other pet insurance companies.

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Trupanion will help pay for prescription medication, food, and supplements as long as your veterinarian has prescribed them for the recovery of an illness or injury. Routine and preventative care medications aren’t covered by Trupanion. So, if you’re looking for ways to save on routine medication, it’s best to look elsewhere for promotions and sales from pet medication suppliers.

Featured Image Credit: LightField Studios, Shutterstock

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