We stand out from the pack by putting pets first. From Vet Direct Pay™ and unlimited payouts to coverage for all new, unexpected injuries and illnesses, we’re here to help your pet get the best care possible.
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Do you have an offer from your veterinarian or breeder?
Take just a few minutes to activate your Exam Day Offer or Go Home Day Offer and get immediate coverage for your pet.
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Peace of mind with transparent coverage
With a policy you can count on, Trupanion pet health insurance gives you access to the best veterinary care available.
90% of your eligible vet bills covered
Give your pet the best treatment available without breaking the bank
Don’t pay the full amount out-of-pocket
We can pay our portion directly to your vet at the time of checkout, so there’s no waiting on reimbursem*nt
Enjoy unlimited payouts for life
No matter how often your pet needs treatment, you can rest easy knowing you have lifetime protection
Why Trupanion?
Go beyond traditional pet health insurance
You can protect your pet for life with the industry’s best coverage.
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See how we compare
Ease the stress of a surprise vet bill
A Trupanion survey of North American veterinarians revealed that, on average, pet parents cannot afford to move forward with care if the costs exceeds $1,500. However, with full, comprehensive coverage, you can say ‘yes’ to veterinary care — no matter what life brings.
Condition | Cost |
|---|---|
Vomiting & diarrhea | $2,365 |
Foreign material ingestion | $2,189 |
Urinary tract infection | $6,510 |
Otitis | $5,600 |
Dental disease | $5,715 |
Hyperthyroidism | $1,665 |
Top conditions for cats
Whether they’re a rambunctious kitten or a longtime friend, protect your cat with the industry's best coverage.
Every pet deserves protection
We’re proud to cover all cats and dogs, regardless of breed.
Dog Insurance
From lap dwellers to frisbee athletes, every dog’s at risk of getting ill or injured. So, it’s best to get them protected while they’re puppies.
Explore dog insurance
Cat Insurance
From indoor snoozers to outdoor explorers, every cat is likely to experience a surprise injury or illness at some point in their nine lives.
Explore cat insurance
Loved by vets and pet parents alike
Read our reviews and find out why over 99% of members renew with us.
“I am profoundly thankful for the peace of mind I get from having Jiminy insured with Trupanion, knowing that I can give him a bright future full of new experiences, adventure and restful moments together!”
Almost $20,000 paid for Jiminy
with a Trupanion policy
“I found comfort in the knowledge that despite the fact that I did not know what was in store for Dresden in the days to come, I would not have to shoulder the financial burden alone.”
Over $2,500 paid for Dresden
with a Trupanion policy
“He was so tiny and helpless, and this was truly the most traumatic thing I could imagine. Harold's animal hospital went directly through Trupanion, so I never saw a bill while this was all going on.”
Over $10,000 paid for Harold
with a Trupanion policy
Frequently asked questions
There are just two basic requirements to sign your pet up with Trupanion:
- All cats and dogs under 14 years of age are eligible to enroll for lifelong coverage.
- You live in the US, Canada, or Puerto Rico (including US and Canadian military bases).
Please note that we welcome dogs and cats of every shape, size, and breed.
Every pet is different and so is the cost of their insurance. A two-year-old golden retriever in Chicago might have a different monthly cost than a five-year-old female Siamese cat in a rural region. The veterinary care available in your area can also be a determining factor. We encourage you to get a quote or give us a call for a better picture of what your cost with Trupanion will be.
We have made the deliberate choice not to cover routine care, wellness, or preventive care costs. This includes things like wellness checkups, flea and tick control, and exam fees. There is a specific reason for why we do not cover these things, and it’s because we want you to get the most value out of your pet insurance coverage.
When it comes to your pet’s wellness care, we don't believe that we should charge you extra for something that you can expect. Since you know your pet needs routine veterinary care, it’s something you can actually budget for. And when you can budget for wellness care costs, it doesn’t make sense to pay a middle man more to give that same benefit back to you. Trupanion was founded to help pets get the health care they need when surprise illnesses and injuries occur, not to help with regular costs you can predict.
Of course! While we’ll be sorry to see you go, we understand that things in life change. You can cancel your Trupanion policy at any time, for any reason.
Have more questions about how Trupanion works and what to expect with your plan? Feel free to reach out to us at any time. We are available 24 hours a day, 365 days a year to answer any and all questions.
Most responsible pet parents are able to budget for their dog or cat’s routine care costs. But what happens when something unexpected comes up? This is where pet health insurance can be a lifesaver.
If your pet becomes ill or injured, relying on savings or emergency funds to pay for their veterinary care expenses is a risky option. After all, it can be difficult to know upfront exactly how much their treatment will cost or if there will be complications that require additional care. Having quality pet insurance in place enables you to protect both your pet and your budget by helping pay for these new and unexpected veterinary costs.
For many, that peace of mind alone is what makes pet insurance very worth it.
Read more frequently asked questions
We’re always ready to help
Our customer care team is available 24/7/365.
