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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, the medications must be related to the treatment and recovery of an illness or injury. Any routine medication isn’t covered.
So, Trupanion may help pay for medications, like antibiotics and pain medication, if 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 to treat a pet’s illness or injury, you can expect to receive reimbursements from Trupanion. However, supplements 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. After you meet your deductible, Trupanion will reimburse you for 90% of your pet’s medical bills.
It’s important to remember that Trupanion and other pet insurance companies do not help pay for medications related to 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 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 provides 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 Trupanion covers your pet, they’ll be covered for life.
One downside to Trupanion is that its premiums tend to be more expensive. The company also offers only one type of pet insurance plan. So, if you have a relatively young and healthy pet, you may not use 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 support for emergencies, Trupanion isn’t the best choice. If you’re willing to make a long-term investment, Trupanion can help you pay for all kinds of treatments for your pet. Its plan also includes alternative therapies not commonly covered by other pet insurance companies.
Conclusion
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. Trupanion doesn’t cover routine and preventative care medications. 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
