When does my coverage begin?

Trupanion has a five-day waiting period for injuries and a 30-day waiting period for illnesses. Unlike many other pet insurance providers, we do not have different waiting periods for specific conditions or pet ages.

Our simple waiting periods mean that injuries that take place five days after enrollment and any illnesses that develop 30 days after enrollment are eligible for coverage (as long as there's no evidence that the illness or injury already existed). Please note that any injuries that occur during the five-day waiting period or illnesses that begin during the 30-day waiting period are considered pre-existing and will therefore not eligible for coverage.