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:
  • German Shepherd, Lymph node enlarged, $875.14, claim paid on Monday, February 8, 2016
  • •    German Shepherd, Pruritic, $875.14, claim paid on Monday, February 8, 2016
  • •    German Shepherd, Involuntary muscle twitching, $875.14, claim paid on Monday, February 8, 2016
  • •    German Shepherd, Crusty, $875.14, claim paid on Monday, February 8, 2016
  • •    Labradoodle, Exocrine pancreatic insufficiency, $285.77, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Vomiting, $611.37, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Infection, $611.37, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Gastric bleeding, $611.37, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Inappetence, $611.37, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Vomiting, $3,043.02, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Gastric bleeding, $3,043.02, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Inappetence, $3,043.02, claim paid on Monday, February 8, 2016
  • •    Terrier, Hemorrhagic gastroenteritis, $652.94, claim paid on Monday, February 8, 2016
  • •    Terrier, Dietary indiscretion, $652.94, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Vomiting, $1,390.68, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Gastric bleeding, $1,390.68, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Inappetence, $1,390.68, claim paid on Monday, February 8, 2016
  • •    Cavalier King Charles Spaniel, anaphylaxis, $511.90, claim paid on Monday, February 8, 2016
  • •    Cavalier King Charles Spaniel, bee envenomation, $511.90, claim paid on Monday, February 8, 2016
  • •    Basset Hound, Weight decreased, $710.44, claim paid on Monday, February 8, 2016
  • •    Basset Hound, Lethargy, $710.44, claim paid on Monday, February 8, 2016
  • •    Basset Hound, Lymphadenopathy, $710.44, claim paid on Monday, February 8, 2016
  • •    Basset Hound, Increase of appetite, $710.44, claim paid on Monday, February 8, 2016
  • •    Domestic Shorthair, Enteropathy, $1,522.73, claim paid on Monday, February 8, 2016
  • •    Chihuahua, Tooth extraction, $476.69, claim paid on Monday, February 8, 2016
  • •    Saint Bernard, Osteosarcoma of bone, $597.60, claim paid on Monday, February 8, 2016
  • •    Doberman Pinscher, Urinary incontinence, $255.79, claim paid on Monday, February 8, 2016
  • •    Poodle-Standard, mass, $1,614.91, claim paid on Monday, February 8, 2016
  • •    Doberman Pinscher, Degenerative joint disease, $255.79, claim paid on Monday, February 8, 2016
  • •    Poodle-Standard, Tympanic bulla osteolysis, $1,614.91, claim paid on Monday, February 8, 2016
  • •    Giant Schnauzer, Distension, $2,318.10, claim paid on Monday, February 8, 2016
  • •    Giant Schnauzer, Pain, $2,318.10, claim paid on Monday, February 8, 2016
  • •    Giant Schnauzer, Distension, $423.99, claim paid on Monday, February 8, 2016
  • •    Giant Schnauzer, Pain, $423.99, claim paid on Monday, February 8, 2016
  • •    Miniature Schnauzer, Urinary tract infection, $260.31, claim paid on Monday, February 8, 2016
  • •    Miniature Schnauzer, Hives, $260.31, claim paid on Monday, February 8, 2016
  • •    Miniature Schnauzer, Pruritic, $260.31, claim paid on Monday, February 8, 2016
  • •    Labrador Retriever (Yellow), TPLO (tibial plateau levelling osteotomy), $294.38, claim paid on Monday, February 8, 2016
  • •    Pyrenean Mountain Dog (Great Pyrenees), Hypoadrenocorticism (Addison's disease), $274.72, claim paid on Monday, February 8, 2016
  • •    Labrador Retriever, Cough, $1,154.70, claim paid on Monday, February 8, 2016
  • •    Labrador Retriever (Chocolate), Allergy, $350.84, claim paid on Monday, February 8, 2016
  • •    Siberian Husky, laceration, $601.39, claim paid on Monday, February 8, 2016
  • •    Japanese Chin (Spaniel), Immune mediated hemolytic anemia, $1,179.65, claim paid on Monday, February 8, 2016
  • •    Labrador Retriever, Mass(es), $322.35, claim paid on Monday, February 8, 2016
  • •    Labrador Retriever, Dental disease, $322.35, claim paid on Monday, February 8, 2016
  • •    Labradoodle, Urinary tract infectious disease, $557.78, claim paid on Monday, February 8, 2016
  • •    Labradoodle, Idiopathic epilepsy, $557.78, claim paid on Monday, February 8, 2016
  • •    Cocker Spaniel, Dermatitis, $356.59, claim paid on Monday, February 8, 2016
  • •    Lhasa Apso, Urolithiasis, $914.37, claim paid on Monday, February 8, 2016
  • •    Australian Shepherd, Exocrine pancreatic insufficiency, $257.15, claim paid on Monday, February 8, 2016
  • •    Irish Wolfhound, Mast cell tumor, $397.49, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), dog attack, $816.30, claim paid on Monday, February 8, 2016
  • •    Domestic Shorthair, straining to urinate, $419.46, claim paid on Monday, February 8, 2016
  • •    Domestic Shorthair, Urinary Obstruction, $1,212.30, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), Cruciate injury , $1,388.78, claim paid on Monday, February 8, 2016
  • •    Whippet, laceration, $700.62, claim paid on Monday, February 8, 2016
  • •    Miniature Schnauzer, Hemangiosarcoma, $780.10, claim paid on Monday, February 8, 2016
  • •    Miniature Schnauzer, Hemangiosarcoma, $595.65, claim paid on Monday, February 8, 2016
  • •    Poodle-Toy, Bone fracture, $2,330.46, claim paid on Monday, February 8, 2016
  • •    Golden Retriever, Immune mediated polyarthropathy, $3,311.50, claim paid on Monday, February 8, 2016
  • •    Golden Retriever, Iliopsoas strain, $3,311.50, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), Dermatitis, $771.34, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), Broken tooth, $771.34, claim paid on Monday, February 8, 2016
  • •    Goldendoodle, Gastritis, $289.94, claim paid on Monday, February 8, 2016
  • •    Labradoodle, Chronic Allergies, $489.38, claim paid on Monday, February 8, 2016
  • •    Rottweiler, Gastroenteritis, $1,400.59, claim paid on Monday, February 8, 2016
  • •    English Bulldog, Pneumonia, $1,849.58, claim paid on Monday, February 8, 2016
  • •    Boston Terrier, Diarrhea, $368.78, claim paid on Monday, February 8, 2016
  • •    Boston Terrier, Lethargic, $368.78, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), IVDD Intervertebral disc disease (IVDD ), $8,226.80, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), cruciate disease, $8,226.80, claim paid on Monday, February 8, 2016
  • •    Cavalier King Charles Spaniel, UTI - Urinary tract infection, $372.84, claim paid on Monday, February 8, 2016
  • •    Labrador Retriever (Yellow), Limping, $888.66, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), Fracture of tooth(Fracture of tooth), $383.44, claim paid on Monday, February 8, 2016
  • •    Cavalier King Charles Spaniel, Proteinuria, $251.59, claim paid on Monday, February 8, 2016
  • •    Cavalier King Charles Spaniel, Hypertension, $251.59, claim paid on Monday, February 8, 2016
  • •    Cavalier King Charles Spaniel, Urinary tract infection, $251.59, claim paid on Monday, February 8, 2016
  • •    Giant Schnauzer, Malignant melanoma, $333.54, claim paid on Monday, February 8, 2016
  • •    Giant Schnauzer, Digit swollen, $333.54, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), Vomiting, $314.23, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), Diarrhea, $314.23, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), Ruptured Cruciate, $1,195.20, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), UTI - Urinary tract infection, $288.73, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), Sore, $288.73, claim paid on Monday, February 8, 2016
  • •    Chesapeake Bay Retriever, Paresis, $338.35, claim paid on Monday, February 8, 2016
  • •    Labrador Retriever, Vomiting, $272.68, claim paid on Monday, February 8, 2016
  • •    Labrador Retriever, Diarrhea, $272.68, claim paid on Monday, February 8, 2016
  • •    Poodle-Toy, Foreign material ingestion(Ingestion of foreign material), $408.38, claim paid on Monday, February 8, 2016
  • •    Yorkshire Terrier, Xylitol intoxication, $1,056.74, claim paid on Monday, February 8, 2016
  • •    Yorkshire Terrier, Bradycardia, $327.07, claim paid on Monday, February 8, 2016
  • •    Yorkshire Terrier, Lethargic, $327.07, claim paid on Monday, February 8, 2016
  • •    American Staffordshire Terrier, Pancreatitis, $287.07, claim paid on Monday, February 8, 2016
  • •    American Staffordshire Terrier, Pain, $287.07, claim paid on Monday, February 8, 2016
  • •    Bull Terrier, Disease of kidney, $274.50, claim paid on Monday, February 8, 2016
  • •    Shih Tzu, Diabetes mellitus, $253.38, claim paid on Monday, February 8, 2016
  • •    Shih Tzu, Mass(es), $253.38, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), UTI - Urinary tract infection, $290.34, claim paid on Monday, February 8, 2016
  • •    Bull Terrier, Disease of kidney, $481.50, claim paid on Monday, February 8, 2016
  • •    Shih Tzu, PU/PD, $253.38, claim paid on Monday, February 8, 2016
  • •    Shih Tzu, Gingival (gum tissue) mass, $253.38, claim paid on Monday, February 8, 2016
  • German Shepherd, Lymph node enlarged, $875.14, claim paid on Monday, February 8, 2016
  • •    German Shepherd, Pruritic, $875.14, claim paid on Monday, February 8, 2016
  • •    German Shepherd, Involuntary muscle twitching, $875.14, claim paid on Monday, February 8, 2016
  • •    German Shepherd, Crusty, $875.14, claim paid on Monday, February 8, 2016
  • •    Labradoodle, Exocrine pancreatic insufficiency, $285.77, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Vomiting, $611.37, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Infection, $611.37, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Gastric bleeding, $611.37, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Inappetence, $611.37, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Vomiting, $3,043.02, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Gastric bleeding, $3,043.02, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Inappetence, $3,043.02, claim paid on Monday, February 8, 2016
  • •    Terrier, Hemorrhagic gastroenteritis, $652.94, claim paid on Monday, February 8, 2016
  • •    Terrier, Dietary indiscretion, $652.94, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Vomiting, $1,390.68, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Gastric bleeding, $1,390.68, claim paid on Monday, February 8, 2016
  • •    Bernese Mountain Dog, Inappetence, $1,390.68, claim paid on Monday, February 8, 2016
  • •    Cavalier King Charles Spaniel, anaphylaxis, $511.90, claim paid on Monday, February 8, 2016
  • •    Cavalier King Charles Spaniel, bee envenomation, $511.90, claim paid on Monday, February 8, 2016
  • •    Basset Hound, Weight decreased, $710.44, claim paid on Monday, February 8, 2016
  • •    Basset Hound, Lethargy, $710.44, claim paid on Monday, February 8, 2016
  • •    Basset Hound, Lymphadenopathy, $710.44, claim paid on Monday, February 8, 2016
  • •    Basset Hound, Increase of appetite, $710.44, claim paid on Monday, February 8, 2016
  • •    Domestic Shorthair, Enteropathy, $1,522.73, claim paid on Monday, February 8, 2016
  • •    Chihuahua, Tooth extraction, $476.69, claim paid on Monday, February 8, 2016
  • •    Saint Bernard, Osteosarcoma of bone, $597.60, claim paid on Monday, February 8, 2016
  • •    Doberman Pinscher, Urinary incontinence, $255.79, claim paid on Monday, February 8, 2016
  • •    Poodle-Standard, mass, $1,614.91, claim paid on Monday, February 8, 2016
  • •    Doberman Pinscher, Degenerative joint disease, $255.79, claim paid on Monday, February 8, 2016
  • •    Poodle-Standard, Tympanic bulla osteolysis, $1,614.91, claim paid on Monday, February 8, 2016
  • •    Giant Schnauzer, Distension, $2,318.10, claim paid on Monday, February 8, 2016
  • •    Giant Schnauzer, Pain, $2,318.10, claim paid on Monday, February 8, 2016
  • •    Giant Schnauzer, Distension, $423.99, claim paid on Monday, February 8, 2016
  • •    Giant Schnauzer, Pain, $423.99, claim paid on Monday, February 8, 2016
  • •    Miniature Schnauzer, Urinary tract infection, $260.31, claim paid on Monday, February 8, 2016
  • •    Miniature Schnauzer, Hives, $260.31, claim paid on Monday, February 8, 2016
  • •    Miniature Schnauzer, Pruritic, $260.31, claim paid on Monday, February 8, 2016
  • •    Labrador Retriever (Yellow), TPLO (tibial plateau levelling osteotomy), $294.38, claim paid on Monday, February 8, 2016
  • •    Pyrenean Mountain Dog (Great Pyrenees), Hypoadrenocorticism (Addison's disease), $274.72, claim paid on Monday, February 8, 2016
  • •    Labrador Retriever, Cough, $1,154.70, claim paid on Monday, February 8, 2016
  • •    Labrador Retriever (Chocolate), Allergy, $350.84, claim paid on Monday, February 8, 2016
  • •    Siberian Husky, laceration, $601.39, claim paid on Monday, February 8, 2016
  • •    Japanese Chin (Spaniel), Immune mediated hemolytic anemia, $1,179.65, claim paid on Monday, February 8, 2016
  • •    Labrador Retriever, Mass(es), $322.35, claim paid on Monday, February 8, 2016
  • •    Labrador Retriever, Dental disease, $322.35, claim paid on Monday, February 8, 2016
  • •    Labradoodle, Urinary tract infectious disease, $557.78, claim paid on Monday, February 8, 2016
  • •    Labradoodle, Idiopathic epilepsy, $557.78, claim paid on Monday, February 8, 2016
  • •    Cocker Spaniel, Dermatitis, $356.59, claim paid on Monday, February 8, 2016
  • •    Lhasa Apso, Urolithiasis, $914.37, claim paid on Monday, February 8, 2016
  • •    Australian Shepherd, Exocrine pancreatic insufficiency, $257.15, claim paid on Monday, February 8, 2016
  • •    Irish Wolfhound, Mast cell tumor, $397.49, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), dog attack, $816.30, claim paid on Monday, February 8, 2016
  • •    Domestic Shorthair, straining to urinate, $419.46, claim paid on Monday, February 8, 2016
  • •    Domestic Shorthair, Urinary Obstruction, $1,212.30, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), Cruciate injury , $1,388.78, claim paid on Monday, February 8, 2016
  • •    Whippet, laceration, $700.62, claim paid on Monday, February 8, 2016
  • •    Miniature Schnauzer, Hemangiosarcoma, $780.10, claim paid on Monday, February 8, 2016
  • •    Miniature Schnauzer, Hemangiosarcoma, $595.65, claim paid on Monday, February 8, 2016
  • •    Poodle-Toy, Bone fracture, $2,330.46, claim paid on Monday, February 8, 2016
  • •    Golden Retriever, Immune mediated polyarthropathy, $3,311.50, claim paid on Monday, February 8, 2016
  • •    Golden Retriever, Iliopsoas strain, $3,311.50, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), Dermatitis, $771.34, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), Broken tooth, $771.34, claim paid on Monday, February 8, 2016
  • •    Goldendoodle, Gastritis, $289.94, claim paid on Monday, February 8, 2016
  • •    Labradoodle, Chronic Allergies, $489.38, claim paid on Monday, February 8, 2016
  • •    Rottweiler, Gastroenteritis, $1,400.59, claim paid on Monday, February 8, 2016
  • •    English Bulldog, Pneumonia, $1,849.58, claim paid on Monday, February 8, 2016
  • •    Boston Terrier, Diarrhea, $368.78, claim paid on Monday, February 8, 2016
  • •    Boston Terrier, Lethargic, $368.78, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), IVDD Intervertebral disc disease (IVDD ), $8,226.80, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), cruciate disease, $8,226.80, claim paid on Monday, February 8, 2016
  • •    Cavalier King Charles Spaniel, UTI - Urinary tract infection, $372.84, claim paid on Monday, February 8, 2016
  • •    Labrador Retriever (Yellow), Limping, $888.66, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), Fracture of tooth(Fracture of tooth), $383.44, claim paid on Monday, February 8, 2016
  • •    Cavalier King Charles Spaniel, Proteinuria, $251.59, claim paid on Monday, February 8, 2016
  • •    Cavalier King Charles Spaniel, Hypertension, $251.59, claim paid on Monday, February 8, 2016
  • •    Cavalier King Charles Spaniel, Urinary tract infection, $251.59, claim paid on Monday, February 8, 2016
  • •    Giant Schnauzer, Malignant melanoma, $333.54, claim paid on Monday, February 8, 2016
  • •    Giant Schnauzer, Digit swollen, $333.54, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), Vomiting, $314.23, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), Diarrhea, $314.23, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), Ruptured Cruciate, $1,195.20, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), UTI - Urinary tract infection, $288.73, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), Sore, $288.73, claim paid on Monday, February 8, 2016
  • •    Chesapeake Bay Retriever, Paresis, $338.35, claim paid on Monday, February 8, 2016
  • •    Labrador Retriever, Vomiting, $272.68, claim paid on Monday, February 8, 2016
  • •    Labrador Retriever, Diarrhea, $272.68, claim paid on Monday, February 8, 2016
  • •    Poodle-Toy, Foreign material ingestion(Ingestion of foreign material), $408.38, claim paid on Monday, February 8, 2016
  • •    Yorkshire Terrier, Xylitol intoxication, $1,056.74, claim paid on Monday, February 8, 2016
  • •    Yorkshire Terrier, Bradycardia, $327.07, claim paid on Monday, February 8, 2016
  • •    Yorkshire Terrier, Lethargic, $327.07, claim paid on Monday, February 8, 2016
  • •    American Staffordshire Terrier, Pancreatitis, $287.07, claim paid on Monday, February 8, 2016
  • •    American Staffordshire Terrier, Pain, $287.07, claim paid on Monday, February 8, 2016
  • •    Bull Terrier, Disease of kidney, $274.50, claim paid on Monday, February 8, 2016
  • •    Shih Tzu, Diabetes mellitus, $253.38, claim paid on Monday, February 8, 2016
  • •    Shih Tzu, Mass(es), $253.38, claim paid on Monday, February 8, 2016
  • •    Mixed Breed (Dog), UTI - Urinary tract infection, $290.34, claim paid on Monday, February 8, 2016
  • •    Bull Terrier, Disease of kidney, $481.50, claim paid on Monday, February 8, 2016
  • •    Shih Tzu, PU/PD, $253.38, claim paid on Monday, February 8, 2016
  • •    Shih Tzu, Gingival (gum tissue) mass, $253.38, claim paid on Monday, February 8, 2016
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