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:
  • Poodle-Standard, Gastric torsion, $395.43, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Increased firmness, $657.00, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Vomiting, $5,198.88, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Crystalluria, $5,198.88, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Dehydration, $5,198.88, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Gastroenteritis, $5,198.88, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, UTI - Urinary tract infection, $5,198.88, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Anorexia, $5,198.88, claim paid on Saturday, February 6, 2016
  • •    German Shepherd, Elbow dysplasia, $452.35, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Inflammation, $5,198.88, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Lesions, $5,198.88, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Weight decreased, $1,917.36, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Lethargic, $1,917.36, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Limping, $1,917.36, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Bloody diarrhea, $335.58, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Polycystic, $2,799.71, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Cholestasis, $2,799.71, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Foreign material ingestion(Ingestion of foreign material), $499.71, claim paid on Saturday, February 6, 2016
  • •    Domestic Shorthair, Mass(es), $398.70, claim paid on Saturday, February 6, 2016
  • •    Domestic Shorthair, Lingual ulceration, $398.70, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Vomiting, $1,854.66, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Hematochezia, $1,854.66, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Vomiting, $1,580.63, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Hemorrhagic gastroenteritis, $1,580.63, claim paid on Saturday, February 6, 2016
  • •    English Bulldog, Mast cell tumor, $389.80, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Vomiting, $382.41, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Hemorrhagic gastroenteritis, $382.41, claim paid on Saturday, February 6, 2016
  • •    Australian Shepherd, Lameness, $274.05, claim paid on Saturday, February 6, 2016
  • •    Australian Shepherd, Ruptured Cruciate, $274.05, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Weight decreased, $847.41, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Lethargic, $847.41, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Limping, $847.41, claim paid on Saturday, February 6, 2016
  • •    Akita, Vomiting, $2,190.83, claim paid on Saturday, February 6, 2016
  • •    Akita, Vomiting, $384.89, claim paid on Saturday, February 6, 2016
  • •    French Bulldog, Seizure, $295.05, claim paid on Saturday, February 6, 2016
  • •    Labrador Retriever (Yellow), Foreign body in digestive tract, $397.89, claim paid on Saturday, February 6, 2016
  • •    Labrador Retriever (Yellow), Vomiting, $397.89, claim paid on Saturday, February 6, 2016
  • •    Labrador Retriever (Yellow), Limping, $986.30, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Lethargy, $361.26, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Inappetence, $361.26, claim paid on Saturday, February 6, 2016
  • •    Labrador Retriever (Yellow), Limping, $771.83, claim paid on Saturday, February 6, 2016
  • •    Pembroke Welsh Corgi, Skin chewing, $728.82, claim paid on Saturday, February 6, 2016
  • •    Pembroke Welsh Corgi, discomfort, $728.82, claim paid on Saturday, February 6, 2016
  • •    Chihuahua (Short Coat), Cough, $439.70, claim paid on Saturday, February 6, 2016
  • •    Chihuahua (Short Coat), Difficulty breathing, $439.70, claim paid on Saturday, February 6, 2016
  • •    Golden Retriever, ulceration, $611.81, claim paid on Saturday, February 6, 2016
  • •    Boxer, lymphoma, $387.35, claim paid on Saturday, February 6, 2016
  • •    Boxer, lymphoma, $917.55, claim paid on Saturday, February 6, 2016
  • •    Boxer, lymphoma, $1,439.55, claim paid on Saturday, February 6, 2016
  • •    Bichon Frise, Blepharitis, $2,686.75, claim paid on Saturday, February 6, 2016
  • •    Bichon Frise, Inappetence, $2,686.75, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Hematemesis, $452.70, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Tremor, $352.77, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Ataxia, $352.77, claim paid on Saturday, February 6, 2016
  • •    Maltese, Diabetes, $316.80, claim paid on Saturday, February 6, 2016
  • •    Chihuahua (Short Coat), Lethargy, $293.02, claim paid on Saturday, February 6, 2016
  • •    West Highland White Terrier, Cruciate Rupture (ACL, CCL), $2,070.00, claim paid on Saturday, February 6, 2016
  • •    Chihuahua (Short Coat), decreased appetite, $293.02, claim paid on Saturday, February 6, 2016
  • •    Chihuahua (Short Coat), Pain, $293.02, claim paid on Saturday, February 6, 2016
  • •    Miniature Pinscher, Hypothyroidism, $820.38, claim paid on Saturday, February 6, 2016
  • •    Miniature Pinscher, Lipoma, $820.38, claim paid on Saturday, February 6, 2016
  • •    Miniature Pinscher, Abnormal, $820.38, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Vomiting, $466.51, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Mass removal, $573.98, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Extractions, $573.98, claim paid on Saturday, February 6, 2016
  • •    Maltese, Seizure, $292.05, claim paid on Saturday, February 6, 2016
  • •    Maltese, Diabetes, $292.05, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Pancreatitis, $459.45, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Hematochezia, $459.45, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Polyuria and polydipsia, $459.45, claim paid on Saturday, February 6, 2016
  • •    Lhasa Apso, Vomiting, $1,467.79, claim paid on Saturday, February 6, 2016
  • •    Lhasa Apso, Regurgitation, $1,467.79, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Allergy (Allergic), $281.70, claim paid on Saturday, February 6, 2016
  • •    Domestic Shorthair, Pain, $880.24, claim paid on Saturday, February 6, 2016
  • •    Domestic Shorthair, Feline oral resorptive lesion, $880.24, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Pancreatitis, $1,405.06, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Hematochezia, $1,405.06, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Polyuria and polydipsia, $1,405.06, claim paid on Saturday, February 6, 2016
  • •    Rottweiler, Spindle cell sarcoma, $783.87, claim paid on Saturday, February 6, 2016
  • •    Labrador Retriever, liver issues, $261.00, claim paid on Saturday, February 6, 2016
  • •    Boxer, Paralysis, $6,735.23, claim paid on Saturday, February 6, 2016
  • •    Rottweiler, Spindle cell sarcoma, $3,229.68, claim paid on Saturday, February 6, 2016
  • •    Great Dane, Dog bite - wound, $490.61, claim paid on Saturday, February 6, 2016
  • •    Labrador Retriever, liver issues, $694.98, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Cruciate Rupture (ACL, CCL), $2,984.18, claim paid on Saturday, February 6, 2016
  • •    Labrador Retriever (Black), Fever of unknown origin, $445.50, claim paid on Saturday, February 6, 2016
  • •    Labrador Retriever (Yellow), Foreign body in digestive tract, $739.09, claim paid on Saturday, February 6, 2016
  • •    Bernese Mountain Dog, Anemia, $338.85, claim paid on Saturday, February 6, 2016
  • •    Bengal, Chronic Allergies, $321.48, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Cat), Dog bite - wound, $743.07, claim paid on Saturday, February 6, 2016
  • •    Poodle-Toy, trouble walking, $291.59, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Vomiting, $661.89, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Cat), Wheezing, $411.30, claim paid on Saturday, February 6, 2016
  • •    French Bulldog, Vomiting, $422.10, claim paid on Saturday, February 6, 2016
  • •    French Bulldog, Lethargy, $422.10, claim paid on Saturday, February 6, 2016
  • •    Newfoundland, Foreign body, $1,397.17, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Urinary incontinence, $651.32, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Cranial cruciate ligament tear, $651.32, claim paid on Saturday, February 6, 2016
  • •    French Bulldog, Seizure, $353.43, claim paid on Saturday, February 6, 2016
  • •    Puggle, Diarrhea, $492.49, claim paid on Saturday, February 6, 2016
  • Poodle-Standard, Gastric torsion, $395.43, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Increased firmness, $657.00, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Vomiting, $5,198.88, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Crystalluria, $5,198.88, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Dehydration, $5,198.88, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Gastroenteritis, $5,198.88, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, UTI - Urinary tract infection, $5,198.88, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Anorexia, $5,198.88, claim paid on Saturday, February 6, 2016
  • •    German Shepherd, Elbow dysplasia, $452.35, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Inflammation, $5,198.88, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Lesions, $5,198.88, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Weight decreased, $1,917.36, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Lethargic, $1,917.36, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Limping, $1,917.36, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Bloody diarrhea, $335.58, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Polycystic, $2,799.71, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Cholestasis, $2,799.71, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Foreign material ingestion(Ingestion of foreign material), $499.71, claim paid on Saturday, February 6, 2016
  • •    Domestic Shorthair, Mass(es), $398.70, claim paid on Saturday, February 6, 2016
  • •    Domestic Shorthair, Lingual ulceration, $398.70, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Vomiting, $1,854.66, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Hematochezia, $1,854.66, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Vomiting, $1,580.63, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Hemorrhagic gastroenteritis, $1,580.63, claim paid on Saturday, February 6, 2016
  • •    English Bulldog, Mast cell tumor, $389.80, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Vomiting, $382.41, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Hemorrhagic gastroenteritis, $382.41, claim paid on Saturday, February 6, 2016
  • •    Australian Shepherd, Lameness, $274.05, claim paid on Saturday, February 6, 2016
  • •    Australian Shepherd, Ruptured Cruciate, $274.05, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Weight decreased, $847.41, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Lethargic, $847.41, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Limping, $847.41, claim paid on Saturday, February 6, 2016
  • •    Akita, Vomiting, $2,190.83, claim paid on Saturday, February 6, 2016
  • •    Akita, Vomiting, $384.89, claim paid on Saturday, February 6, 2016
  • •    French Bulldog, Seizure, $295.05, claim paid on Saturday, February 6, 2016
  • •    Labrador Retriever (Yellow), Foreign body in digestive tract, $397.89, claim paid on Saturday, February 6, 2016
  • •    Labrador Retriever (Yellow), Vomiting, $397.89, claim paid on Saturday, February 6, 2016
  • •    Labrador Retriever (Yellow), Limping, $986.30, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Lethargy, $361.26, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Inappetence, $361.26, claim paid on Saturday, February 6, 2016
  • •    Labrador Retriever (Yellow), Limping, $771.83, claim paid on Saturday, February 6, 2016
  • •    Pembroke Welsh Corgi, Skin chewing, $728.82, claim paid on Saturday, February 6, 2016
  • •    Pembroke Welsh Corgi, discomfort, $728.82, claim paid on Saturday, February 6, 2016
  • •    Chihuahua (Short Coat), Cough, $439.70, claim paid on Saturday, February 6, 2016
  • •    Chihuahua (Short Coat), Difficulty breathing, $439.70, claim paid on Saturday, February 6, 2016
  • •    Golden Retriever, ulceration, $611.81, claim paid on Saturday, February 6, 2016
  • •    Boxer, lymphoma, $387.35, claim paid on Saturday, February 6, 2016
  • •    Boxer, lymphoma, $917.55, claim paid on Saturday, February 6, 2016
  • •    Boxer, lymphoma, $1,439.55, claim paid on Saturday, February 6, 2016
  • •    Bichon Frise, Blepharitis, $2,686.75, claim paid on Saturday, February 6, 2016
  • •    Bichon Frise, Inappetence, $2,686.75, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Hematemesis, $452.70, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Tremor, $352.77, claim paid on Saturday, February 6, 2016
  • •    Labradoodle, Ataxia, $352.77, claim paid on Saturday, February 6, 2016
  • •    Maltese, Diabetes, $316.80, claim paid on Saturday, February 6, 2016
  • •    Chihuahua (Short Coat), Lethargy, $293.02, claim paid on Saturday, February 6, 2016
  • •    West Highland White Terrier, Cruciate Rupture (ACL, CCL), $2,070.00, claim paid on Saturday, February 6, 2016
  • •    Chihuahua (Short Coat), decreased appetite, $293.02, claim paid on Saturday, February 6, 2016
  • •    Chihuahua (Short Coat), Pain, $293.02, claim paid on Saturday, February 6, 2016
  • •    Miniature Pinscher, Hypothyroidism, $820.38, claim paid on Saturday, February 6, 2016
  • •    Miniature Pinscher, Lipoma, $820.38, claim paid on Saturday, February 6, 2016
  • •    Miniature Pinscher, Abnormal, $820.38, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Vomiting, $466.51, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Mass removal, $573.98, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Extractions, $573.98, claim paid on Saturday, February 6, 2016
  • •    Maltese, Seizure, $292.05, claim paid on Saturday, February 6, 2016
  • •    Maltese, Diabetes, $292.05, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Pancreatitis, $459.45, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Hematochezia, $459.45, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Polyuria and polydipsia, $459.45, claim paid on Saturday, February 6, 2016
  • •    Lhasa Apso, Vomiting, $1,467.79, claim paid on Saturday, February 6, 2016
  • •    Lhasa Apso, Regurgitation, $1,467.79, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Allergy (Allergic), $281.70, claim paid on Saturday, February 6, 2016
  • •    Domestic Shorthair, Pain, $880.24, claim paid on Saturday, February 6, 2016
  • •    Domestic Shorthair, Feline oral resorptive lesion, $880.24, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Pancreatitis, $1,405.06, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Hematochezia, $1,405.06, claim paid on Saturday, February 6, 2016
  • •    Shih Tzu, Polyuria and polydipsia, $1,405.06, claim paid on Saturday, February 6, 2016
  • •    Rottweiler, Spindle cell sarcoma, $783.87, claim paid on Saturday, February 6, 2016
  • •    Labrador Retriever, liver issues, $261.00, claim paid on Saturday, February 6, 2016
  • •    Boxer, Paralysis, $6,735.23, claim paid on Saturday, February 6, 2016
  • •    Rottweiler, Spindle cell sarcoma, $3,229.68, claim paid on Saturday, February 6, 2016
  • •    Great Dane, Dog bite - wound, $490.61, claim paid on Saturday, February 6, 2016
  • •    Labrador Retriever, liver issues, $694.98, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Cruciate Rupture (ACL, CCL), $2,984.18, claim paid on Saturday, February 6, 2016
  • •    Labrador Retriever (Black), Fever of unknown origin, $445.50, claim paid on Saturday, February 6, 2016
  • •    Labrador Retriever (Yellow), Foreign body in digestive tract, $739.09, claim paid on Saturday, February 6, 2016
  • •    Bernese Mountain Dog, Anemia, $338.85, claim paid on Saturday, February 6, 2016
  • •    Bengal, Chronic Allergies, $321.48, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Cat), Dog bite - wound, $743.07, claim paid on Saturday, February 6, 2016
  • •    Poodle-Toy, trouble walking, $291.59, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Vomiting, $661.89, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Cat), Wheezing, $411.30, claim paid on Saturday, February 6, 2016
  • •    French Bulldog, Vomiting, $422.10, claim paid on Saturday, February 6, 2016
  • •    French Bulldog, Lethargy, $422.10, claim paid on Saturday, February 6, 2016
  • •    Newfoundland, Foreign body, $1,397.17, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Urinary incontinence, $651.32, claim paid on Saturday, February 6, 2016
  • •    Mixed Breed (Dog), Cranial cruciate ligament tear, $651.32, claim paid on Saturday, February 6, 2016
  • •    French Bulldog, Seizure, $353.43, claim paid on Saturday, February 6, 2016
  • •    Puggle, Diarrhea, $492.49, claim paid on Saturday, February 6, 2016
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