Trupanion Expands their Core Coverage Policy

Pet medical insurance provider Trupanion announces updates to its core policy to meet the health needs of pets.

SEATTLE, May 8, 2014 /CNW/ - Trupanion, a medical insurance provider for pets, announced updates to its core policy based on suggestions and feedback from veterinarians and pet owners to make its policy even more comprehensive and accessible for pets. The company offers one simple, fair and comprehensive plan for pets that are sick or injured.

Eliminating concerns of a predetermined benefit schedule and amount, Trupanion's comprehensive policy will continue to pay 90% of actual veterinary costs for covered claims for the treatment of illnesses and injuries.

Starting today, current and future Trupanion policyholders, subject to regulatory approval, will see the following top four improvements in coverage:

1. Expanded Core Policy
Trupanion expanded its core policy to include ten treatments that were previously only offered through an Additional Care Package (Rider A). The below prescriptive treatments are now included:

  1. Bone Marrow Transplants
  2. Colloidal Silver Treatment Injections
  3. Gold Seed Therapy
  4. Herbal Therapy
  5. Stem Cell Therapy
  6. Kidney Transplants
  7. Platelet Rich Plasma
  8. Polyethylene Medication
  9. Shockwave Therapy
  10. Hyperbaric Oxygen

2. Improved Coverage for Intact Pets
Intact pets, pets that are not spayed or neutered, are no longer excluded from receiving coverage for prostrate problems, hormonal skin conditions, perianal hernias, testicular tumors, perianal tumors, mammary tumors, and uterine and ovarian conditions (as long as they are not pre-existing), or from injuries due to fighting, collision with a motor vehicle, or aggressive behavior.

3. Pre-existing Conditions
Trupanion clarified pre-existing conditions to be illnesses or injuries that occurred or began in the 18 months prior to enrollment with Trupanion, including those that were being masked or controlled by treatments and/or medications, or that exhibited clinical signs or evidence of their potential manifestation.

4. Dental Coverage
Trupanion clarified expectations that the company will cover endodontic treatments due to dental disease or trauma for canine and carnassial teeth provided that pet owners have annual dental exams and follow veterinarian recommendations about dental care.

Additionally, the company's Rider A package was renamed Recovery and Complementary Care Rider and includes 7 treatments and therapies: Acupuncture, Behavioral Modification, Chiropractic, Homeopathy, Hydrotherapy, Naturopathy, and Rehabilitative Therapy.

Trupanion's policy reflects the health needs of pets. Premium factors include the pet's age at the time of enrollment, breed, gender, spayed or neutered status, and location (the cost of veterinary care available to your pet varies by location).

Trupanion policy enhancements are now available in all Canadian provinces and most states (some states pending regulatory approval). To learn more or see if it is available in your state please visit

About Trupanion
Trupanion is an industry leader in medical insurance for pets, offering cat and dog medical insurance in the United States, Canada, and Puerto Rico with the mission to help the pets we all love receive the best veterinary care possible. Trupanion offers a simple, fair and comprehensive pet medical insurance policy that pays 90% of veterinary costs for covered accident and illness claims that could include diagnostic tests, surgeries, medications, hospital stays, and alternative therapies for the treatment of injuries or illnesses. Trupanion's policy includes coverage of chronic, hereditary and congenital conditions with no payout limits per incident, per year, or over the lifetime of the pet. Some terms and conditions apply, please see our policy for details at

In the United States, Trupanion is underwritten by the American Pet Insurance Company, which has earned a Financial Stability Rating® of A--Exceptional from Demotech, Inc. In Canada, Trupanion is underwritten by Omega General Insurance Company. Trupanion is a founding member of the North American Pet Health Insurance Association (NAPHIA), demonstrating a commitment to high standards and transparency in all actions and products.

Media Contact
Trupanion Media Relations
Phone: 206.607.1924

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SOURCE: Trupanion

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