Pet insurance can be a lifesaver for your fur baby and wallet. Owning a pet can be expensive, especially if they get injured or sick. But if you have pet insurance, you don’t have to fork out nearly as much for veterinary services.
Trupanion Pet Insurance is one of the leading providers. If you’re looking to see if Trupanion covers X-rays, MRIs, and other imaging, you’ve come to the right place. Trupanion covers diagnostic testing, including X-rays, MRIs, and other imaging. However, you can customize your plan to cater to your pet’s needs. Read on to learn the specifics of Trupanion pet insurance.
How Does Trupanion Pet Insurance Work?
Trupanion covers dogs and cats. Unlike other pet insurance plans, it offers a “lifetime per condition” deductible, which means you only pay a deductible per new condition. For example, if your dog or cat has seasonal allergies and is treated, once you pay the deductible for that condition, Trupanion will pay 90% of all vet bills relating to the condition. You only pay another deductible if your pet develops a new condition.
You can choose to have no deductible or customize your deductible from $50 to $1,000. The general rule of thumb is the higher the deductible, the more the insurance will pay out on a vet bill. You can also opt for reimbursement rates from 75% to 90%.
When you check out at the vet’s office, you only pay the part of the bill you’re responsible for, and Trupanion pays the rest by sending the payment directly to the vet’s office.
Thankfully, Trupanion does not have an annual limit. It doesn’t matter how many claims you submit or how high the vet bills are; you never have to worry about running out of coverage with Trupanion pet insurance.
Does Trupanion Have an Age Limit?
Unfortunately, Trupanion has an age cut-off of 14 years, but your coverage does not decline or alter in any way before that age, no matter the breed, as long as your pet isn’t past 14 years of age.
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What Is Covered With Trupanion Pet Insurance?
X-rays, MRIs, and other imaging are not all that Trupanion covers. It covers surgeries, hospital stays, medications, veterinary supplements, herbal therapy, and prosthetic devices and carts. It also covers breed-specific conditions, such as cherry eye, hip dysplasia, and diabetes.
Does Trupanion Cover Wellness Exams?
Trupanion does not cover wellness exams, and you will be responsible for your pet’s yearly check-ups. It also does not cover vaccinations, spaying/neutering, microchips, parasite prevention, routine lab work, or dental cleanings.
However, Trupanion is an excellent option for injuries and illnesses, with a fantastic payout of 90%.
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Does Trupanion Cover Putting a Pet Down?
The saddest and most inevitable part of being a pet owner is when our furry friends pass away. Some pet insurance companies pay for euthanasia, burial, and cremations, but Trupanion only covers euthanasia. However, they will cover burials and cremations if you add on the Pet Owner Assistance Package.
This package also covers boarding fees if you are hospitalized, advertising and rewards due to lost pets, holiday vacation cancellation costs, and liability coverage for third-party property damage.
What Are Trupanion’s Waiting Periods?
Most insurance plans have waiting periods you must meet before services are paid. Trupanion has a 5-day waiting period for injuries and a 30-day waiting period for illnesses. If your pet acquires an injury before the 5-day waiting period is up, services for that incident will not be covered.
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Tips for Keeping Your Pet Healthy and Safe
Always feed your pet high-quality pet food that contains no preservatives or fillers. Look for a formula with high-quality protein as the first ingredient, such as lamb, chicken, or beef.
Ensure you exercise your pet daily and provide mental stimulation. Take your pet for a yearly veterinarian exam, and stay current on vaccinations. Keep fleas and ticks at bay, and always provide your pet with fresh drinking water.
Final Thoughts
Trupanion is an excellent pet insurance company to consider. You can customize your plan according to your budget, and it covers X-rays, MRIs, and other imaging. Trupanion has a 24/7 hotline and live chat but does not cover pre-existing conditions, which is standard in the pet insurance industry.
Bear in mind that it does not offer a wellness package, and if that is important to you, you may want to look elsewhere. However, the 90% payout is among the best in the industry, and we feel Trupanion is a contender to check out for pet coverage.
Rachel Giordano is a musician and writer living in Pensacola, Florida, with her partner and their two dogs, Sophie, a Boston Terrier, and Aero, a Border Collie/Sheltie mix. Rachel holds a Bachelor of Arts degree in communication and loves writing about animals of all types. When she’s not writing about animals, she loves to write suspense/thriller novels. A musician by night and writer by day, she enjoys educating the public about the needs and requirements of animals, big and small.
