Underwritten by American Pet Insurance Company
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The first provider in North America to offer 90% coverage of your actual veterinary bill with no payout limits

Maybe it’s our quick & easy claims process, maybe it’s the fact that we have no caps on coverage, or maybe it’s because our whole company is passionate about pet health. Discover for yourself why more than 98% of our customers renew with us each month. We’re available to answer all your questions, give us a call at 855.210.8749.

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WE HAVE ONE SIMPLE PLAN
We don’t have different plans with confusing coverage levels.

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WE’RE EXPERTS IN THE INDUSTRY
We don’t do anything but pet medical insurance and we pride ourselves on being experts in everything we do.

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WE WON'T MAKE YOU WAIT
We settle 60% of our claims the day we receive them — and 80% within 7 days. That means you can focus on your pet, not your wallet.

Terms and conditions apply. See the policy for details.


covered

What's covered

  • Diagnostic tests
  • Surgeries
  • Hospital stays
  • Medications
  • Veterinary supplements
  • Prosthetic devices
  • Carts

not-covered

What's not covered

  • Exam fees
  • Any applicable taxes
  • Wellness and preventive care (including flea treatments, dental cleanings, and vaccinations)
  • Pre-existing conditions - If your pet shows signs or symptoms of a condition prior to full policy coverage, then it is considered pre-existing and not eligible for coverage

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CUSTOMER CENTER

Manage your policy, file a claim, add another pet, and much more.

Dog Insurance

Dogs deserve coverage that's as unconditional as their love. Trupanion's plan includes everything from allergies to cancer, diabetes and more.

Learn more about dog insurance
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Cat Insurance

Your kitty is too precious not to be protected, which is why we cover hurt paws, kidney disease, and most other health issues both big and small.

Learn more about cat insurance
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Trupanion in the News

Read more news
02/03/2016 Trupanion Rolls Out New Veterinary Software to Save Veterinarians Time and Effort
Recent claims paid:
  • Great Dane, Bloat, $5,789.52, claim paid on Wednesday, February 10, 2016
  • •    German Shepherd, Fistula of perianal skin, $783.99, claim paid on Wednesday, February 10, 2016
  • •    Boston Terrier, Esophageal obstruction, $1,133.35, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Hyperthyroidism, $351.07, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Arrhythmia, $351.07, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Hypercalcemia, $351.07, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Elevated liver enzymes, $351.07, claim paid on Wednesday, February 10, 2016
  • •    Labradoodle, Foreign body, $2,516.87, claim paid on Wednesday, February 10, 2016
  • •    German Shepherd, Trauma, $493.78, claim paid on Wednesday, February 10, 2016
  • •    Sphynx, foreign body removal, $2,845.32, claim paid on Wednesday, February 10, 2016
  • •    Domestic Mediumhair, Diabetes mellitus, $733.87, claim paid on Wednesday, February 10, 2016
  • •    Yorkshire Terrier, Irregular breathing, $315.00, claim paid on Wednesday, February 10, 2016
  • •    Domestic Mediumhair, Diabetes mellitus, $258.99, claim paid on Wednesday, February 10, 2016
  • •    Domestic Mediumhair, Dental disease, $258.99, claim paid on Wednesday, February 10, 2016
  • •    Collie - Rough, Tetraparesis, $1,140.30, claim paid on Wednesday, February 10, 2016
  • •    Mastiff, Hemangioma, $274.81, claim paid on Wednesday, February 10, 2016
  • •    Mastiff, Hemangioma, $548.96, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Pain, $3,852.23, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Diarrhea, $251.78, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Involuntary trembling, $251.78, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Involuntary shaking, $251.78, claim paid on Wednesday, February 10, 2016
  • •    American Cocker Spaniel, Keratitis, $270.47, claim paid on Wednesday, February 10, 2016
  • •    American Cocker Spaniel, Glaucoma, $270.47, claim paid on Wednesday, February 10, 2016
  • •    American Cocker Spaniel, Intraocular hemorrhage, $270.47, claim paid on Wednesday, February 10, 2016
  • •    American Cocker Spaniel, KCS - Keratoconjunctivitis sicca, $270.47, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Wheezing, $353.79, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Hepatomegaly, $353.79, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Debris in ear, $353.79, claim paid on Wednesday, February 10, 2016
  • •    Maltipoo, Foreign material ingestion(Ingestion of foreign material), $1,575.00, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Vomiting, $820.43, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Vomiting, $253.95, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Animal bite wound, $489.77, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Soft tissue sarcoma - Hemangiopericytoma, $3,259.44, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Vomiting, $327.37, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Diarrhea, $327.37, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), food bloat, $327.37, claim paid on Wednesday, February 10, 2016
  • •    Golden Retriever, Ichthyosis, $630.88, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Soft tissue sarcoma - Hemangiopericytoma, $1,698.75, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Mass(es), $362.88, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Tibial tuberosity avulsion, $2,291.67, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Spondylosis, $1,107.59, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Tachycardia, $1,107.59, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Cushing's disease, $1,107.59, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), cardiomyopathy, $1,107.59, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Hind end weakness, $1,107.59, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), CP deficit, $1,107.59, claim paid on Wednesday, February 10, 2016
  • •    Boston Terrier, Periodontal disease, $1,186.43, claim paid on Wednesday, February 10, 2016
  • •    Boston Terrier, Mass(es), $1,186.43, claim paid on Wednesday, February 10, 2016
  • •    Rat Terrier, IVDD Intervertebral disc disease (IVDD ), $5,284.03, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Pyoderma, $301.03, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Atopy, $301.03, claim paid on Wednesday, February 10, 2016
  • •    American Pitbull Terrier, lymphoma, $291.92, claim paid on Wednesday, February 10, 2016
  • •    American Pitbull Terrier, Cruciate Ligament Tear, $291.92, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Dental crowding, $485.15, claim paid on Wednesday, February 10, 2016
  • •    Boston Terrier, Abnormal, $1,268.52, claim paid on Wednesday, February 10, 2016
  • •    Bengal, Neurologic , $303.30, claim paid on Wednesday, February 10, 2016
  • •    Pomeranian, Osteoarthritis, $313.61, claim paid on Wednesday, February 10, 2016
  • •    Pomeranian, Overweight, $313.61, claim paid on Wednesday, February 10, 2016
  • •    Pomeranian, Dry skin, $313.61, claim paid on Wednesday, February 10, 2016
  • •    Pomeranian, Conjunctivitis, $313.61, claim paid on Wednesday, February 10, 2016
  • •    Dachshund, Cherry eye, $385.37, claim paid on Wednesday, February 10, 2016
  • •    Boxer, Follicular cyst, $650.61, claim paid on Wednesday, February 10, 2016
  • •    American Cocker Spaniel, Cranial cruciate ligament tear, $2,168.32, claim paid on Wednesday, February 10, 2016
  • •    French Bulldog, Diarrhea, $453.83, claim paid on Wednesday, February 10, 2016
  • •    French Bulldog, Cough, $453.83, claim paid on Wednesday, February 10, 2016
  • •    French Bulldog, Discharge from nose, $453.83, claim paid on Wednesday, February 10, 2016
  • •    Miniature Smooth Haired Dachshund, IVDD Intervertebral disc disease (IVDD ), $905.81, claim paid on Wednesday, February 10, 2016
  • •    English Springer Spaniel, Colitis, $451.84, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Congestive heart failure, $783.66, claim paid on Wednesday, February 10, 2016
  • •    Goldendoodle, Sarcoma, $791.12, claim paid on Wednesday, February 10, 2016
  • •    French Bulldog, Foreign body in digestive tract, $1,237.46, claim paid on Wednesday, February 10, 2016
  • •    Cavalier King Charles Spaniel, Furunculosis, $252.67, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Malaise, $420.30, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Tachypnea, $420.30, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Weight decreased, $420.30, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, CHF - Congestive heart failure, $420.30, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Anorexia, $420.30, claim paid on Wednesday, February 10, 2016
  • •    Maltese, Meningoencephalitis, $261.32, claim paid on Wednesday, February 10, 2016
  • •    Barbet, Lameness, $313.20, claim paid on Wednesday, February 10, 2016
  • •    Barbet, Pain, $313.20, claim paid on Wednesday, February 10, 2016
  • •    German Shepherd, Anal sac fistula, $276.16, claim paid on Wednesday, February 10, 2016
  • •    Rottweiler, Iliopsoas strain, $324.00, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Kidney disease, $325.80, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Squamous cell carcinoma, $325.80, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), r/o pancreatitis, $258.30, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), r/o gastritis, $258.30, claim paid on Wednesday, February 10, 2016
  • •    Gordon Setter, Mass(es), $1,365.78, claim paid on Wednesday, February 10, 2016
  • •    Sphynx, Intermittent Coughing, $284.85, claim paid on Wednesday, February 10, 2016
  • •    Weimaraner, Mast cell tumor, $878.15, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Increase of appetite, $355.61, claim paid on Wednesday, February 10, 2016
  • •    Tervuren Belgian Shepherd, Systemic lupus erythematosus, $477.04, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Vomiting, $1,274.75, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Hematochezia, $1,274.75, claim paid on Wednesday, February 10, 2016
  • •    Labrador Retriever (Chocolate), Vomiting, $1,024.34, claim paid on Wednesday, February 10, 2016
  • •    Labrador Retriever (Chocolate), Diarrhea, $1,024.34, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Resists extension, $630.00, claim paid on Wednesday, February 10, 2016
  • •    Poodle-Toy, Obstruction, $431.80, claim paid on Wednesday, February 10, 2016
  • •    Shih Tzu, Renal mass, $424.80, claim paid on Wednesday, February 10, 2016
  • •    Shetland (Sheltie) sheepdog, Mass(es), $2,442.70, claim paid on Wednesday, February 10, 2016
  • •    Shetland (Sheltie) sheepdog, Fractured tooth, $2,442.70, claim paid on Wednesday, February 10, 2016
  • Great Dane, Bloat, $5,789.52, claim paid on Wednesday, February 10, 2016
  • •    German Shepherd, Fistula of perianal skin, $783.99, claim paid on Wednesday, February 10, 2016
  • •    Boston Terrier, Esophageal obstruction, $1,133.35, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Hyperthyroidism, $351.07, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Arrhythmia, $351.07, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Hypercalcemia, $351.07, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Elevated liver enzymes, $351.07, claim paid on Wednesday, February 10, 2016
  • •    Labradoodle, Foreign body, $2,516.87, claim paid on Wednesday, February 10, 2016
  • •    German Shepherd, Trauma, $493.78, claim paid on Wednesday, February 10, 2016
  • •    Sphynx, foreign body removal, $2,845.32, claim paid on Wednesday, February 10, 2016
  • •    Domestic Mediumhair, Diabetes mellitus, $733.87, claim paid on Wednesday, February 10, 2016
  • •    Yorkshire Terrier, Irregular breathing, $315.00, claim paid on Wednesday, February 10, 2016
  • •    Domestic Mediumhair, Diabetes mellitus, $258.99, claim paid on Wednesday, February 10, 2016
  • •    Domestic Mediumhair, Dental disease, $258.99, claim paid on Wednesday, February 10, 2016
  • •    Collie - Rough, Tetraparesis, $1,140.30, claim paid on Wednesday, February 10, 2016
  • •    Mastiff, Hemangioma, $274.81, claim paid on Wednesday, February 10, 2016
  • •    Mastiff, Hemangioma, $548.96, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Pain, $3,852.23, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Diarrhea, $251.78, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Involuntary trembling, $251.78, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Involuntary shaking, $251.78, claim paid on Wednesday, February 10, 2016
  • •    American Cocker Spaniel, Keratitis, $270.47, claim paid on Wednesday, February 10, 2016
  • •    American Cocker Spaniel, Glaucoma, $270.47, claim paid on Wednesday, February 10, 2016
  • •    American Cocker Spaniel, Intraocular hemorrhage, $270.47, claim paid on Wednesday, February 10, 2016
  • •    American Cocker Spaniel, KCS - Keratoconjunctivitis sicca, $270.47, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Wheezing, $353.79, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Hepatomegaly, $353.79, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Debris in ear, $353.79, claim paid on Wednesday, February 10, 2016
  • •    Maltipoo, Foreign material ingestion(Ingestion of foreign material), $1,575.00, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Vomiting, $820.43, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Vomiting, $253.95, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Animal bite wound, $489.77, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Soft tissue sarcoma - Hemangiopericytoma, $3,259.44, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Vomiting, $327.37, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Diarrhea, $327.37, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), food bloat, $327.37, claim paid on Wednesday, February 10, 2016
  • •    Golden Retriever, Ichthyosis, $630.88, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Soft tissue sarcoma - Hemangiopericytoma, $1,698.75, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Mass(es), $362.88, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Tibial tuberosity avulsion, $2,291.67, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Spondylosis, $1,107.59, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Tachycardia, $1,107.59, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Cushing's disease, $1,107.59, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), cardiomyopathy, $1,107.59, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Hind end weakness, $1,107.59, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), CP deficit, $1,107.59, claim paid on Wednesday, February 10, 2016
  • •    Boston Terrier, Periodontal disease, $1,186.43, claim paid on Wednesday, February 10, 2016
  • •    Boston Terrier, Mass(es), $1,186.43, claim paid on Wednesday, February 10, 2016
  • •    Rat Terrier, IVDD Intervertebral disc disease (IVDD ), $5,284.03, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Pyoderma, $301.03, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Atopy, $301.03, claim paid on Wednesday, February 10, 2016
  • •    American Pitbull Terrier, lymphoma, $291.92, claim paid on Wednesday, February 10, 2016
  • •    American Pitbull Terrier, Cruciate Ligament Tear, $291.92, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Dental crowding, $485.15, claim paid on Wednesday, February 10, 2016
  • •    Boston Terrier, Abnormal, $1,268.52, claim paid on Wednesday, February 10, 2016
  • •    Bengal, Neurologic , $303.30, claim paid on Wednesday, February 10, 2016
  • •    Pomeranian, Osteoarthritis, $313.61, claim paid on Wednesday, February 10, 2016
  • •    Pomeranian, Overweight, $313.61, claim paid on Wednesday, February 10, 2016
  • •    Pomeranian, Dry skin, $313.61, claim paid on Wednesday, February 10, 2016
  • •    Pomeranian, Conjunctivitis, $313.61, claim paid on Wednesday, February 10, 2016
  • •    Dachshund, Cherry eye, $385.37, claim paid on Wednesday, February 10, 2016
  • •    Boxer, Follicular cyst, $650.61, claim paid on Wednesday, February 10, 2016
  • •    American Cocker Spaniel, Cranial cruciate ligament tear, $2,168.32, claim paid on Wednesday, February 10, 2016
  • •    French Bulldog, Diarrhea, $453.83, claim paid on Wednesday, February 10, 2016
  • •    French Bulldog, Cough, $453.83, claim paid on Wednesday, February 10, 2016
  • •    French Bulldog, Discharge from nose, $453.83, claim paid on Wednesday, February 10, 2016
  • •    Miniature Smooth Haired Dachshund, IVDD Intervertebral disc disease (IVDD ), $905.81, claim paid on Wednesday, February 10, 2016
  • •    English Springer Spaniel, Colitis, $451.84, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Congestive heart failure, $783.66, claim paid on Wednesday, February 10, 2016
  • •    Goldendoodle, Sarcoma, $791.12, claim paid on Wednesday, February 10, 2016
  • •    French Bulldog, Foreign body in digestive tract, $1,237.46, claim paid on Wednesday, February 10, 2016
  • •    Cavalier King Charles Spaniel, Furunculosis, $252.67, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Malaise, $420.30, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Tachypnea, $420.30, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Weight decreased, $420.30, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, CHF - Congestive heart failure, $420.30, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Anorexia, $420.30, claim paid on Wednesday, February 10, 2016
  • •    Maltese, Meningoencephalitis, $261.32, claim paid on Wednesday, February 10, 2016
  • •    Barbet, Lameness, $313.20, claim paid on Wednesday, February 10, 2016
  • •    Barbet, Pain, $313.20, claim paid on Wednesday, February 10, 2016
  • •    German Shepherd, Anal sac fistula, $276.16, claim paid on Wednesday, February 10, 2016
  • •    Rottweiler, Iliopsoas strain, $324.00, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Kidney disease, $325.80, claim paid on Wednesday, February 10, 2016
  • •    Domestic Shorthair, Squamous cell carcinoma, $325.80, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), r/o pancreatitis, $258.30, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), r/o gastritis, $258.30, claim paid on Wednesday, February 10, 2016
  • •    Gordon Setter, Mass(es), $1,365.78, claim paid on Wednesday, February 10, 2016
  • •    Sphynx, Intermittent Coughing, $284.85, claim paid on Wednesday, February 10, 2016
  • •    Weimaraner, Mast cell tumor, $878.15, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Increase of appetite, $355.61, claim paid on Wednesday, February 10, 2016
  • •    Tervuren Belgian Shepherd, Systemic lupus erythematosus, $477.04, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Vomiting, $1,274.75, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Hematochezia, $1,274.75, claim paid on Wednesday, February 10, 2016
  • •    Labrador Retriever (Chocolate), Vomiting, $1,024.34, claim paid on Wednesday, February 10, 2016
  • •    Labrador Retriever (Chocolate), Diarrhea, $1,024.34, claim paid on Wednesday, February 10, 2016
  • •    Mixed Breed (Dog), Resists extension, $630.00, claim paid on Wednesday, February 10, 2016
  • •    Poodle-Toy, Obstruction, $431.80, claim paid on Wednesday, February 10, 2016
  • •    Shih Tzu, Renal mass, $424.80, claim paid on Wednesday, February 10, 2016
  • •    Shetland (Sheltie) sheepdog, Mass(es), $2,442.70, claim paid on Wednesday, February 10, 2016
  • •    Shetland (Sheltie) sheepdog, Fractured tooth, $2,442.70, claim paid on Wednesday, February 10, 2016
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