Should I bother filing a claim if my bill is less than my deductible?

Yes! Because your deductible is per condition, you should always file claims to get the most out of your Trupanion coverage — even if they are below the amount of your deductible. This reduces the amount of the deductible you will be responsible for on the next veterinary bill related to that particular condition.

Once you meet your deductible for a particular condition, it is met for the life of your pet's policy for the same condition. It’s worth noting that the number of claims you submit will not affect your monthly premium or your coverage. We never punish unlucky pets at Trupanion.