Does Trupanion cover supplements?

Yes, Trupanion may cover pet supplements, but with certain specific requirements. Here’s how it works:

• Eligibility of supplements: Supplements for pets can be eligible for Trupanion coverage if they are used as part of a treatment plan for an eligible illness or injury. This means that if your veterinarian prescribes a supplement to help treat a condition that is otherwise covered by your policy, you may be able to claim the cost of that supplement.
• Where you purchase matters: The supplement must be purchased with a prescription from your veterinarian to qualify for coverage. This ensures the supplement is being used under the guidance of a veterinary professional and as part of a comprehensive treatment plan.
• Prescription supplements: In some cases, supplements that are specifically prescribed by your veterinarian for a covered condition may also be eligible for reimbursement, even if they’re not purchased directly from the veterinary clinic. The key factor is that there must be a written prescription and a clear medical need tied to a covered illness or injury.

Supplements for pets can play a significant role in their overall health, whether it’s supporting joint function, improving skin and coat condition, or helping with anxiety and digestion.

When are supplements not covered?

It’s important to note that not all uses of supplements are eligible for coverage under Trupanion. Specifically:

• Preventative or wellness use: Supplements given to your pet solely for preventative or general wellness purposes—such as daily vitamins, general joint support, or skin supplements used before any symptoms or diagnosis—are not covered. This is because insurance is designed to cover unexpected illnesses or injuries, not routine or elective wellness care.
• Over-the-counter purchases: If you purchase supplements over-the-counter, online, or from pet stores without a veterinarian’s prescription or recommendation for a specific covered condition, these expenses won’t be eligible for reimbursement.

Examples of covered and non-covered supplements

Covered example:

Your dog develops osteoarthritis, and your veterinarian prescribes a joint supplement as part of their treatment protocol. If you purchase the supplement through your vet, or obtain a prescription and buy it elsewhere, Trupanion may reimburse you for the supplement’s cost—provided the underlying condition (osteoarthritis) is covered by your policy.

Not covered example:

You decide to give your cat a daily multivitamin “just in case” or to keep their coat shiny. Since this is for general wellness rather than a diagnosed medical issue, Trupanion would not cover the cost.

Why does Trupanion only cover certain supplements?

Our approach is rooted in our philosophy of providing coverage for unexpected and necessary medical treatments related to illness or injury. We aim to keep premiums fair and focused on helping pet parents with significant, unplanned costs. Covering supplements used purely for wellness or prevention—while beneficial in some cases—would shift the focus from insurance to routine care, potentially driving up costs for all policyholders.

How to ensure your pet’s supplements are covered

If you think your pet may need supplements and you’d like to maximize your insurance benefits, here are some practical tips:

• Consult your veterinarian: Always discuss your pet’s health needs with your veterinarian. They can determine if a supplement is medically necessary for a specific condition, and if so, they can prescribe the appropriate product.
• Get a prescription: If your veterinarian prescribes a supplement, ask for a written prescription. This is especially important if you plan to purchase the supplement outside the veterinary clinic.
• Keep records: Save all invoices, prescriptions, and medical records related to your pet’s treatment and supplement purchases. This documentation will be vital if you need to file a claim.
• Ask questions: If you’re unsure whether a supplement will be covered, don’t hesitate to contact our pet-passionate customer care team. Their representatives can clarify your policy’s specifics and help you avoid unexpected expenses.

Other considerations for pet parents

When considering pet insurance, many pet owners are curious about what exactly is covered, especially when it comes to supplements. While supplements can be incredibly helpful for pets with certain conditions, they are not a substitute for veterinary care or prescribed medications where indicated. Always follow your veterinarian’s advice regarding the use of supplements and never introduce a new supplement without professional guidance—some products may interact with medications or not be appropriate for your pet’s particular needs.

By understanding the details of your Trupanion policy and making informed decisions about your pet’s health, you can help ensure that your furry companion receives the best care possible—while also making the most of your insurance coverage.