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Trupanion Insurance Pet Insurance policy

Accident & Illness policy. Cats & Dogs covered.

Brand
Trupanion Insurance
Policy
Pet Insurance
policy View more details.

There are four types of cover:

Accident cover: for example for broken bones, spider and snake bites. 

Special events: accidental injuries and some major illnesses.

Illness only: cancer and other illnesses.

Accident and illness Most comprehensive includes accidental injuries, cancer and other illnesses.  

Accident & Illness
Covered
Cats & Dogs
Comments
Unlimited maximum cover limit and no sublimits. Vet consults not covered
Underwriter
The Hollard Insurance Company
Phone number
1300 328 042
Website
Website
Minimum age to get cover
8 weeks
Maximum age for new cover - years View more details.

Most policies won't offer new cover to animals over the age of 7 or 8. Older animals that first got cover when they were younger will continue to be covered.

13
Benefit stays the same for older pets View more details.

Some insurers lower the benefit percentage for example from 100% of the bill to 80% of the bill and you have to foot the rest. 

Yes
Excess options View more details.

If you choose to pay an excess you will pay a lower premium, but you'll pay it if you have a claim.

$0 - $1000 in $10 increments
Benefit percentage paid View more details.

Percentage of the claim the insurer pays. For example, if your policy has an 80% benefit and you have a $1000 claim, you pay $200 and the insurer pays $800.

90%
Dogs annual max View more details.

Maximum benefit per year. For accident and illness policies the maximum limit is normally combined for accidents and illnesses.

$Unlimited
Cats annual maximum View more details.

Maximum benefit per year. For accident and illness policies the maximum limit is normally combined for accidents and illnesses.

$Unlimited
Pre-existing conditions covered View more details.

Policies usually do not cover pre-existing conditions but may allow them on application - check with insurer for details. 

No
Hereditary conditions View more details.

Will the policy cover hereditary or genetic conditions?

Yes
Chronic conditions View more details.

Many policies do not cover a condition if it recurs again the next year.

Yes
Bilateral conditions View more details.

A bilateral or 'whole of body' condition affects body parts of which the pet has at least two, e.g. the knees. If the policy applies an exclusion, the animal will not be covered for a condition in one knee if it was previously affected in another knee.

Yes
Cover for life offered View more details.

Some insurer guarantee to allow you to renew the policy - other could reject renewals, for example, after you had a large claim.

No
Vet consult sublimit View more details.

Is there an annual sublimit for vet consultation claims?

Not covered
Tick paralysis View more details.

Paralysis ticks are common on the east coast of Australia and can require intensive emergency treatment.

Yes
Tick paralysis sublimit ($) View more details.

Is there an annual sublimit for tick paralysis claims?

No limit
Cruciate ligament injury sublimit ($) View more details.

Is there an annual sublimit for cruciate ligament injury claims? (All policies cover this.)

No limit
Skin condition sublimit ($) View more details.

Is there an annual sublimit for skin condition claims?

No limit
Alternative therapies sublimit ($) View more details.

Is there an annual sublimit for alternative therapy claims?

No limit for medicinal herbs, optional cover for alternative therapies
Public liability cover ($) View more details.

Public liability cover - mainly for damage or injury caused by dogs.

Optional
Theft or straying View more details.

Does the policy pay a benefit if your animal is lost due to theft or straying?

No
Vehicle injury View more details.

Does the policy offer a benefit if you pet is injured by a vehicle such as a car.

Yes
Swallowing foreign objects
Yes
Swallowing foreign objects (recurring instances) View more details.

How many times a year will the policy cover for swallowing foreign objects?

No limit
Burns
Yes
Electrocution
Yes
Snake bite
Yes
Allergies View more details.

Does the policy cover allergic reactions (allergic reactions to flees and insect bites are normally excluded)

Yes
Bone fractures covered
Yes
Patella luxations and elbow dysplasia View more details.

Common conditions affecting leg joints.

Yes
Parasites View more details.

Treatment for illness caused by internal or external parasites.

Yes
Routine care available View more details.

Does this policy include or offer for an extra fee routine care (also called wellness care or tender loving care)? This is additional cover that pays for things like vaccinations and teeth cleaning.

No
Essential euthanasia (vet fees) View more details.

The cost of putting your pet down, when necessary.

Optional cover for cremation and burial fees
Essential euthanasia (pet value) View more details.

The value of your pet if it has to be put down.

No

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