BARK U + Trupanion Pet Insurance Partnership
At BARK U, responsible dog ownership is not optional — it’s foundational.
We love when our clients are proactive, informed, and financially prepared pet owners. Loving your dog means more than enrichment and socialization. It means preparation.
Responsible Ownership Starts Here
Dogs live active, social lives. They run hard. They play big. They explore the world fully. And even in the safest environments — at home, at the park, or during play — unexpected injuries and illnesses can happen.
Being prepared for that possibility is part of responsible ownership.
🩵 Why We Believe in Pet Insurance
As professionals who work with dogs every single day, we have seen how quickly veterinary costs can arise — even from minor incidents.
We never want a BARK U family to hesitate in a moment of urgency.
Pet insurance allows you to confidently say “yes” to care — immediately — without financial second guessing.
This isn’t just about your time at BARK U.
It’s about protecting your dog for their entire life.
🩺 Exam Day = Immediate Protection on Activation Day
Through our partnership with Trupanion, BARK U clients have the opportunity to activate immediate, 30-day trial coverage on their dog’s Exam Day.
When your veterinarian confirms your dog is healthy, you have a 24-hour window to activate coverage with:
✅ Immediate coverage on any new accidents and illnesses
✅ No waiting periods
✅ 90% coverage and unlimited payouts on all on eligible costs
✅ No credit card required to activate
✅ No obligation — trial expires automatically if not continued
Coverage applies to new conditions; Some pre-existing conditions may or may not be covered.
If you choose to enroll after the 30-day trial, coverage continues seamlessly.
If you do not enroll, the trial simply expires after 30 days— no cancellation required.
📌 Important Timing
Enrollment must be completed within 24 hours of your dog’s Exam Day veterinary appointment.
Exam Day is your activation window.
Our Standard
While pet insurance is not mandatory for participation at BARK U, we strongly believe it is one of the most responsible decisions a dog owner can make.
Prepared owners make confident decisions.
Confident decisions protect dogs.
And protecting dogs — socially, behaviorally, and medically — is what we stand for.
What if my dog recently had a vet exam? Does my dog need to go again in order to activate the BARK U x Trupanion Exam Offer?
To receive the exclusive benefit of waived waiting periods and immediate coverage, a basic vet exam must be completed just prior to activating your offer.
If your pup recently had an exam, your veterinarian will simply need to perform another basic exam before activation. This ensures your coverage starts right away with no delays.
What isn’t covered under the Exam Offer?
Like most pet insurance policies, Trupanion does not cover:
- Pre-existing conditions (anything showing signs or symptoms before activation)
- Exam fees or consultation fees
- Preventative or wellness care (vaccines, flea/tick prevention, routine dental cleanings, etc.)
Do I need to put a credit card on file to activate my Exam Offer?
No credit card is required to activate your free 30-day trial.
If you’d like your coverage to automatically continue after the trial, you can add a payment method — but it’s completely optional. There is no risk to activating your offer.
What happens if my pup has an accident or illness during the 30-day trial?
If your pup needs veterinary care during your trial:
- Visit any licensed veterinarian
- Pay for the visit
- Submit a claim through your Trupanion online portal for reimbursement
If your veterinarian is a Trupanion Vet Direct Pay partner, Trupanion can pay the vet directly for their portion — meaning you would only pay your share at checkout.
Trupanion is currently the only pet insurance provider that offers direct payment to participating veterinary hospitals.
What happens after the free 30-day trial?
You can choose to continue coverage at any time during your 30-day trial — or even when you first activate.
No matter when you decide, your first month is completely free. You’ll receive reminder emails from Trupanion as your trial period comes to an end, so nothing catches you off guard.
If you do not want to continue coverage after 30 days, no further action is needed. Your 30-day trial will simply end, along with your pup’s coverage.
If you choose to continue with coverage, you can follow the step-by-step directions provided in the Trupanion emails for adding a payment to your account.
How much does a Trupanion policy cost?
As a BARK U client using the Exam Offer, your first 30 days are completely free.
If you’d like to explore what your monthly premium would be after the trial, you can:
- Call Trupanion’s Customer Care team at 833-414-0176
- Visit www.trupanion.com and click “Get a Quote”
Pricing is personalized and based on:
- Your chosen deductible (anywhere from $0–$1,000)
- Your pup’s age, breed, and gender
- Your zip code (local veterinary costs vary)
Choosing a higher deductible can lower your monthly premium — but coverage itself does not change. Every plan provides the same comprehensive protection.
Will my monthly price increase every year?
Monthly premiums may adjust over time — but only if the cost of veterinary care increases in your area.
Unlike many other companies, Trupanion:
- Does not use “birthday pricing” (your pet aging does not automatically increase your premium)
- Will never raise your price due to the number of claims you submit
- Will never cancel coverage because you’ve used your policy
Starting coverage when your pup is young often means the lowest starting premiums and fewer pre-existing exclusions.