Underwritten by American Pet Insurance Company
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Trupanion Online Support

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We're more than pet insurance. We're medical insurance for cats and dogs you can count on.

Medical insurance for your pet covers veterinary bills for unexpected injuries and illnesses. 

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The Trupanion Promise

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We won't impose limits or caps on your coverage
We will cover any illness or injury your pet runs in to that isn’t pre-existing. Whether it’s $100 or $100,000, we’ll pay 90% of your vet bill.

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We let you pick what you pay
Looking to save without sacrificing coverage? Pick a deductible that works for your family budget. Anywhere from $0 to $1,000, you’ll still be covered at 90% after it’s met.

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Your claims will be hassle-free
We won’t drop your coverage for filing claims, having an unlucky pet, for any reason at all. We settle most claims within 7 days and can even pay your veterinarian directly so you don't have to pay out of pocket.

Terms and conditions apply. See the policy for details.


Not every pet insurance provider can make these promises. We can because we're different than the rest. 


covered

What's covered

  • Illnesses & injuries
  • Hereditary & congenital conditions
  • Diagnostic tests
  • Surgeries
  • Hospital stays
  • Medications
  • Veterinary supplements
  • Prosthetic devices & carts

not-covered

What's not covered

  • Exam fees
  • Sales tax where applicable
  • Wellness and preventive care
  • Pre-existing conditions


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CUSTOMER CENTER

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


Give us a call at 855.210.8749, get your pet's quote online or learn more about our plan.

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
Kitten

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:
  • Miniature Smooth Haired Dachshund, Congestive heart failure, $1,922.93, claim paid on Tuesday, December 6, 2016
  • •    Miniature Smooth Haired Dachshund, Respiratory distress, $1,922.93, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Cat), Abnormal, $1,242.41, claim paid on Tuesday, December 6, 2016
  • •    Golden Retriever, Gastroenteritis, $386.60, claim paid on Tuesday, December 6, 2016
  • •    French Bulldog, Distichiasis, $2,594.07, claim paid on Tuesday, December 6, 2016
  • •    French Bulldog, Abnormal, $2,594.07, claim paid on Tuesday, December 6, 2016
  • •    Maine Coon, Mass(es), $387.59, claim paid on Tuesday, December 6, 2016
  • •    Rottweiler, Diabetes mellitus, $255.04, claim paid on Tuesday, December 6, 2016
  • •    Perro de Presa Canario, Vomiting, $328.63, claim paid on Tuesday, December 6, 2016
  • •    Shih Tzu, GE - Gastroenteritis, $605.15, claim paid on Tuesday, December 6, 2016
  • •    Bichon Frise, Cruciate Rupture (ACL, CCL), $942.93, claim paid on Tuesday, December 6, 2016
  • •    American Bulldog, Pyoderma, $264.14, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Dog), Tooth extraction, $283.05, claim paid on Tuesday, December 6, 2016
  • •    German Wirehaired Pointer, IO - Intestinal obstruction, $3,597.52, claim paid on Tuesday, December 6, 2016
  • •    Coonhound, Fractured tail, $729.43, claim paid on Tuesday, December 6, 2016
  • •    Golden Retriever, Dysplasia of kidney, $1,176.59, claim paid on Tuesday, December 6, 2016
  • •    Poodle-Standard, Gastroenteritis, $1,197.13, claim paid on Tuesday, December 6, 2016
  • •    German Shepherd, Hypercalcemia, $287.60, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Dog), Grand mal seizure, $385.20, claim paid on Tuesday, December 6, 2016
  • •    Labrador Retriever, distended abdomen, $2,321.10, claim paid on Tuesday, December 6, 2016
  • •    American Cocker Spaniel, biliary mucocele, $3,018.92, claim paid on Tuesday, December 6, 2016
  • •    Cavalier King Charles Spaniel, Proteinuria, $477.29, claim paid on Tuesday, December 6, 2016
  • •    Saint Bernard, Epistaxis, $737.63, claim paid on Tuesday, December 6, 2016
  • •    English Springer Spaniel, Cough, $400.50, claim paid on Tuesday, December 6, 2016
  • •    English Springer Spaniel, Pulmonary neoplasia, $400.50, claim paid on Tuesday, December 6, 2016
  • •    English Springer Spaniel, Cough, $619.47, claim paid on Tuesday, December 6, 2016
  • •    English Springer Spaniel, Pulmonary neoplasia, $619.47, claim paid on Tuesday, December 6, 2016
  • •    English Bulldog, Seizure, $401.77, claim paid on Tuesday, December 6, 2016
  • •    English Bulldog, Allergy (Allergic), $401.77, claim paid on Tuesday, December 6, 2016
  • •    Pomeranian, Heart murmur, $315.36, claim paid on Tuesday, December 6, 2016
  • •    American Pitbull Terrier, Mast cell neoplasm, $1,032.37, claim paid on Tuesday, December 6, 2016
  • •    American Pitbull Terrier, Fibrosarcoma, $1,032.37, claim paid on Tuesday, December 6, 2016
  • •    French Bulldog, Stenotic nares, $382.75, claim paid on Tuesday, December 6, 2016
  • •    French Bulldog, Elongated soft palate, $382.75, claim paid on Tuesday, December 6, 2016
  • •    Chinook, Prolapse, $988.70, claim paid on Tuesday, December 6, 2016
  • •    Chihuahua, Congestive heart failure, $504.77, claim paid on Tuesday, December 6, 2016
  • •    Chinook, UTI - Urinary tract infection, $988.70, claim paid on Tuesday, December 6, 2016
  • •    Shih Tzu, Foreign material ingestion(Ingestion of foreign material), $1,602.05, claim paid on Tuesday, December 6, 2016
  • •    Shih Tzu, garbage gut, $1,602.05, claim paid on Tuesday, December 6, 2016
  • •    Golden Retriever, Lameness, $351.51, claim paid on Tuesday, December 6, 2016
  • •    Golden Retriever, TPLO (tibial plateau levelling osteotomy), $351.51, claim paid on Tuesday, December 6, 2016
  • •    Boxer, Otitis, $1,385.21, claim paid on Tuesday, December 6, 2016
  • •    Boxer, Soft stool, $1,385.21, claim paid on Tuesday, December 6, 2016
  • •    Boxer, AD - Atopic dermatitis, $1,385.21, claim paid on Tuesday, December 6, 2016
  • •    Great Dane, root canal of canine tooth, $1,998.74, claim paid on Tuesday, December 6, 2016
  • •    Labrador Retriever, Mast cell tumor, $527.63, claim paid on Tuesday, December 6, 2016
  • •    Bernese Mountain Dog, Hip dysplasia, $2,676.65, claim paid on Tuesday, December 6, 2016
  • •    Bernese Mountain Dog, Bone fracture, $2,676.65, claim paid on Tuesday, December 6, 2016
  • •    Havanese, gingival mass, $425.21, claim paid on Tuesday, December 6, 2016
  • •    Goldendoodle, Stress induced gastroenteritis, $723.71, claim paid on Tuesday, December 6, 2016
  • •    Lhasa Apso, Vomiting, $566.69, claim paid on Tuesday, December 6, 2016
  • •    Lhasa Apso, Diarrhea, $566.69, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Cat), Root resorption, $698.45, claim paid on Tuesday, December 6, 2016
  • •    Rottweiler, Fragmented coronoid process, $381.62, claim paid on Tuesday, December 6, 2016
  • •    Rottweiler, Cruciate injury , $381.62, claim paid on Tuesday, December 6, 2016
  • •    American Cocker Spaniel, Immune thrombocytopenia, $562.53, claim paid on Tuesday, December 6, 2016
  • •    American Cocker Spaniel, Bruise, $562.53, claim paid on Tuesday, December 6, 2016
  • •    American Cocker Spaniel, Immune thrombocytopenia, $1,937.91, claim paid on Tuesday, December 6, 2016
  • •    American Cocker Spaniel, Bruise, $1,937.91, claim paid on Tuesday, December 6, 2016
  • •    Brussels Griffon (Brabancon), Vomiting, $468.00, claim paid on Tuesday, December 6, 2016
  • •    Brussels Griffon (Brabancon), Epileptic seizures, $468.00, claim paid on Tuesday, December 6, 2016
  • •    Papillon, Vomiting, $4,587.30, claim paid on Tuesday, December 6, 2016
  • •    Papillon, Weight decreased, $4,587.30, claim paid on Tuesday, December 6, 2016
  • •    Papillon, Elevated liver enzymes, $4,587.30, claim paid on Tuesday, December 6, 2016
  • •    Chihuahua, Protein-losing nephropathy, $432.00, claim paid on Tuesday, December 6, 2016
  • •    Chihuahua, Proteinuria, $432.00, claim paid on Tuesday, December 6, 2016
  • •    Maine Coon, Gastroenteritis, $639.23, claim paid on Tuesday, December 6, 2016
  • •    Chihuahua, Albumin decreased, $432.00, claim paid on Tuesday, December 6, 2016
  • •    Domestic Shorthair, Vomiting, $303.88, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Cat), Labored breathing, $4,604.51, claim paid on Tuesday, December 6, 2016
  • •    Domestic Shorthair, Pancreatitis, $784.90, claim paid on Tuesday, December 6, 2016
  • •    Domestic Shorthair, UTI - Urinary tract infection, $784.90, claim paid on Tuesday, December 6, 2016
  • •    Golden Retriever, Vestibular disease, $585.00, claim paid on Tuesday, December 6, 2016
  • •    Domestic Shorthair, Epilepsy, $1,448.42, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Dog), Uveitis, $450.00, claim paid on Tuesday, December 6, 2016
  • •    Domestic Shorthair, Seizure, $1,448.42, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Cat), Labored breathing, $758.96, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Cat), Labored breathing, $1,415.91, claim paid on Tuesday, December 6, 2016
  • •    Great Dane, Gastric dilatation volvulus, $3,618.05, claim paid on Tuesday, December 6, 2016
  • •    Goldendoodle, Hypoadrenocorticism (Addison's disease), $721.65, claim paid on Tuesday, December 6, 2016
  • •    Goldendoodle, Dermatitis, $721.65, claim paid on Tuesday, December 6, 2016
  • •    Havanese, Pancreatitis, $2,601.08, claim paid on Tuesday, December 6, 2016
  • •    Havanese, Gastroenteritis, $2,601.08, claim paid on Tuesday, December 6, 2016
  • •    Labrador Retriever (Yellow), Diarrhea, $526.10, claim paid on Tuesday, December 6, 2016
  • •    Goldendoodle, Impaction, $1,467.14, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Dog), Vomiting, $1,012.95, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Dog), Diarrhea, $1,012.95, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Dog), Foreign material ingestion(Ingestion of foreign material), $1,012.95, claim paid on Tuesday, December 6, 2016
  • •    Goldendoodle, Impaction, $2,083.50, claim paid on Tuesday, December 6, 2016
  • •    Shetland Sheepdog, Fever, $379.53, claim paid on Tuesday, December 6, 2016
  • •    Shetland Sheepdog, Lethargy, $379.53, claim paid on Tuesday, December 6, 2016
  • •    Shetland Sheepdog, Lymphoid hyperplasia, $379.53, claim paid on Tuesday, December 6, 2016
  • •    Shetland Sheepdog, Conjunctivitis, $379.53, claim paid on Tuesday, December 6, 2016
  • •    Shetland Sheepdog, Inappetence, $379.53, claim paid on Tuesday, December 6, 2016
  • •    Shetland Sheepdog, Polyarthritis, $379.53, claim paid on Tuesday, December 6, 2016
  • •    West Highland White Terrier, Gastroenteritis, $557.55, claim paid on Tuesday, December 6, 2016
  • •    Yorkiepoo, Dead tooth, $436.87, claim paid on Tuesday, December 6, 2016
  • •    Bernese Mountain Dog, Foreign material ingestion(Ingestion of foreign material), $4,361.00, claim paid on Tuesday, December 6, 2016
  • •    English Bulldog, Vomiting, $4,939.13, claim paid on Tuesday, December 6, 2016
  • •    Ragdoll, Ataxia, $3,040.92, claim paid on Tuesday, December 6, 2016
  • Miniature Smooth Haired Dachshund, Congestive heart failure, $1,922.93, claim paid on Tuesday, December 6, 2016
  • •    Miniature Smooth Haired Dachshund, Respiratory distress, $1,922.93, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Cat), Abnormal, $1,242.41, claim paid on Tuesday, December 6, 2016
  • •    Golden Retriever, Gastroenteritis, $386.60, claim paid on Tuesday, December 6, 2016
  • •    French Bulldog, Distichiasis, $2,594.07, claim paid on Tuesday, December 6, 2016
  • •    French Bulldog, Abnormal, $2,594.07, claim paid on Tuesday, December 6, 2016
  • •    Maine Coon, Mass(es), $387.59, claim paid on Tuesday, December 6, 2016
  • •    Rottweiler, Diabetes mellitus, $255.04, claim paid on Tuesday, December 6, 2016
  • •    Perro de Presa Canario, Vomiting, $328.63, claim paid on Tuesday, December 6, 2016
  • •    Shih Tzu, GE - Gastroenteritis, $605.15, claim paid on Tuesday, December 6, 2016
  • •    Bichon Frise, Cruciate Rupture (ACL, CCL), $942.93, claim paid on Tuesday, December 6, 2016
  • •    American Bulldog, Pyoderma, $264.14, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Dog), Tooth extraction, $283.05, claim paid on Tuesday, December 6, 2016
  • •    German Wirehaired Pointer, IO - Intestinal obstruction, $3,597.52, claim paid on Tuesday, December 6, 2016
  • •    Coonhound, Fractured tail, $729.43, claim paid on Tuesday, December 6, 2016
  • •    Golden Retriever, Dysplasia of kidney, $1,176.59, claim paid on Tuesday, December 6, 2016
  • •    Poodle-Standard, Gastroenteritis, $1,197.13, claim paid on Tuesday, December 6, 2016
  • •    German Shepherd, Hypercalcemia, $287.60, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Dog), Grand mal seizure, $385.20, claim paid on Tuesday, December 6, 2016
  • •    Labrador Retriever, distended abdomen, $2,321.10, claim paid on Tuesday, December 6, 2016
  • •    American Cocker Spaniel, biliary mucocele, $3,018.92, claim paid on Tuesday, December 6, 2016
  • •    Cavalier King Charles Spaniel, Proteinuria, $477.29, claim paid on Tuesday, December 6, 2016
  • •    Saint Bernard, Epistaxis, $737.63, claim paid on Tuesday, December 6, 2016
  • •    English Springer Spaniel, Cough, $400.50, claim paid on Tuesday, December 6, 2016
  • •    English Springer Spaniel, Pulmonary neoplasia, $400.50, claim paid on Tuesday, December 6, 2016
  • •    English Springer Spaniel, Cough, $619.47, claim paid on Tuesday, December 6, 2016
  • •    English Springer Spaniel, Pulmonary neoplasia, $619.47, claim paid on Tuesday, December 6, 2016
  • •    English Bulldog, Seizure, $401.77, claim paid on Tuesday, December 6, 2016
  • •    English Bulldog, Allergy (Allergic), $401.77, claim paid on Tuesday, December 6, 2016
  • •    Pomeranian, Heart murmur, $315.36, claim paid on Tuesday, December 6, 2016
  • •    American Pitbull Terrier, Mast cell neoplasm, $1,032.37, claim paid on Tuesday, December 6, 2016
  • •    American Pitbull Terrier, Fibrosarcoma, $1,032.37, claim paid on Tuesday, December 6, 2016
  • •    French Bulldog, Stenotic nares, $382.75, claim paid on Tuesday, December 6, 2016
  • •    French Bulldog, Elongated soft palate, $382.75, claim paid on Tuesday, December 6, 2016
  • •    Chinook, Prolapse, $988.70, claim paid on Tuesday, December 6, 2016
  • •    Chihuahua, Congestive heart failure, $504.77, claim paid on Tuesday, December 6, 2016
  • •    Chinook, UTI - Urinary tract infection, $988.70, claim paid on Tuesday, December 6, 2016
  • •    Shih Tzu, Foreign material ingestion(Ingestion of foreign material), $1,602.05, claim paid on Tuesday, December 6, 2016
  • •    Shih Tzu, garbage gut, $1,602.05, claim paid on Tuesday, December 6, 2016
  • •    Golden Retriever, Lameness, $351.51, claim paid on Tuesday, December 6, 2016
  • •    Golden Retriever, TPLO (tibial plateau levelling osteotomy), $351.51, claim paid on Tuesday, December 6, 2016
  • •    Boxer, Otitis, $1,385.21, claim paid on Tuesday, December 6, 2016
  • •    Boxer, Soft stool, $1,385.21, claim paid on Tuesday, December 6, 2016
  • •    Boxer, AD - Atopic dermatitis, $1,385.21, claim paid on Tuesday, December 6, 2016
  • •    Great Dane, root canal of canine tooth, $1,998.74, claim paid on Tuesday, December 6, 2016
  • •    Labrador Retriever, Mast cell tumor, $527.63, claim paid on Tuesday, December 6, 2016
  • •    Bernese Mountain Dog, Hip dysplasia, $2,676.65, claim paid on Tuesday, December 6, 2016
  • •    Bernese Mountain Dog, Bone fracture, $2,676.65, claim paid on Tuesday, December 6, 2016
  • •    Havanese, gingival mass, $425.21, claim paid on Tuesday, December 6, 2016
  • •    Goldendoodle, Stress induced gastroenteritis, $723.71, claim paid on Tuesday, December 6, 2016
  • •    Lhasa Apso, Vomiting, $566.69, claim paid on Tuesday, December 6, 2016
  • •    Lhasa Apso, Diarrhea, $566.69, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Cat), Root resorption, $698.45, claim paid on Tuesday, December 6, 2016
  • •    Rottweiler, Fragmented coronoid process, $381.62, claim paid on Tuesday, December 6, 2016
  • •    Rottweiler, Cruciate injury , $381.62, claim paid on Tuesday, December 6, 2016
  • •    American Cocker Spaniel, Immune thrombocytopenia, $562.53, claim paid on Tuesday, December 6, 2016
  • •    American Cocker Spaniel, Bruise, $562.53, claim paid on Tuesday, December 6, 2016
  • •    American Cocker Spaniel, Immune thrombocytopenia, $1,937.91, claim paid on Tuesday, December 6, 2016
  • •    American Cocker Spaniel, Bruise, $1,937.91, claim paid on Tuesday, December 6, 2016
  • •    Brussels Griffon (Brabancon), Vomiting, $468.00, claim paid on Tuesday, December 6, 2016
  • •    Brussels Griffon (Brabancon), Epileptic seizures, $468.00, claim paid on Tuesday, December 6, 2016
  • •    Papillon, Vomiting, $4,587.30, claim paid on Tuesday, December 6, 2016
  • •    Papillon, Weight decreased, $4,587.30, claim paid on Tuesday, December 6, 2016
  • •    Papillon, Elevated liver enzymes, $4,587.30, claim paid on Tuesday, December 6, 2016
  • •    Chihuahua, Protein-losing nephropathy, $432.00, claim paid on Tuesday, December 6, 2016
  • •    Chihuahua, Proteinuria, $432.00, claim paid on Tuesday, December 6, 2016
  • •    Maine Coon, Gastroenteritis, $639.23, claim paid on Tuesday, December 6, 2016
  • •    Chihuahua, Albumin decreased, $432.00, claim paid on Tuesday, December 6, 2016
  • •    Domestic Shorthair, Vomiting, $303.88, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Cat), Labored breathing, $4,604.51, claim paid on Tuesday, December 6, 2016
  • •    Domestic Shorthair, Pancreatitis, $784.90, claim paid on Tuesday, December 6, 2016
  • •    Domestic Shorthair, UTI - Urinary tract infection, $784.90, claim paid on Tuesday, December 6, 2016
  • •    Golden Retriever, Vestibular disease, $585.00, claim paid on Tuesday, December 6, 2016
  • •    Domestic Shorthair, Epilepsy, $1,448.42, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Dog), Uveitis, $450.00, claim paid on Tuesday, December 6, 2016
  • •    Domestic Shorthair, Seizure, $1,448.42, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Cat), Labored breathing, $758.96, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Cat), Labored breathing, $1,415.91, claim paid on Tuesday, December 6, 2016
  • •    Great Dane, Gastric dilatation volvulus, $3,618.05, claim paid on Tuesday, December 6, 2016
  • •    Goldendoodle, Hypoadrenocorticism (Addison's disease), $721.65, claim paid on Tuesday, December 6, 2016
  • •    Goldendoodle, Dermatitis, $721.65, claim paid on Tuesday, December 6, 2016
  • •    Havanese, Pancreatitis, $2,601.08, claim paid on Tuesday, December 6, 2016
  • •    Havanese, Gastroenteritis, $2,601.08, claim paid on Tuesday, December 6, 2016
  • •    Labrador Retriever (Yellow), Diarrhea, $526.10, claim paid on Tuesday, December 6, 2016
  • •    Goldendoodle, Impaction, $1,467.14, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Dog), Vomiting, $1,012.95, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Dog), Diarrhea, $1,012.95, claim paid on Tuesday, December 6, 2016
  • •    Mixed Breed (Dog), Foreign material ingestion(Ingestion of foreign material), $1,012.95, claim paid on Tuesday, December 6, 2016
  • •    Goldendoodle, Impaction, $2,083.50, claim paid on Tuesday, December 6, 2016
  • •    Shetland Sheepdog, Fever, $379.53, claim paid on Tuesday, December 6, 2016
  • •    Shetland Sheepdog, Lethargy, $379.53, claim paid on Tuesday, December 6, 2016
  • •    Shetland Sheepdog, Lymphoid hyperplasia, $379.53, claim paid on Tuesday, December 6, 2016
  • •    Shetland Sheepdog, Conjunctivitis, $379.53, claim paid on Tuesday, December 6, 2016
  • •    Shetland Sheepdog, Inappetence, $379.53, claim paid on Tuesday, December 6, 2016
  • •    Shetland Sheepdog, Polyarthritis, $379.53, claim paid on Tuesday, December 6, 2016
  • •    West Highland White Terrier, Gastroenteritis, $557.55, claim paid on Tuesday, December 6, 2016
  • •    Yorkiepoo, Dead tooth, $436.87, claim paid on Tuesday, December 6, 2016
  • •    Bernese Mountain Dog, Foreign material ingestion(Ingestion of foreign material), $4,361.00, claim paid on Tuesday, December 6, 2016
  • •    English Bulldog, Vomiting, $4,939.13, claim paid on Tuesday, December 6, 2016
  • •    Ragdoll, Ataxia, $3,040.92, claim paid on Tuesday, December 6, 2016
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