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:
  • Cockapoo, lymphoma, $326.71, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Mass of hindlimb, $539.10, claim paid on Friday, August 5, 2016
  • •    Miniature Schnauzer, Vomiting, $443.16, claim paid on Friday, August 5, 2016
  • •    Miniature Schnauzer, Diarrhea, $443.16, claim paid on Friday, August 5, 2016
  • •    English Bulldog, Mast cell tumor, $405.00, claim paid on Friday, August 5, 2016
  • •    Domestic Mediumhair, Heart murmur, $588.39, claim paid on Friday, August 5, 2016
  • •    Domestic Mediumhair, Sneezing, $588.39, claim paid on Friday, August 5, 2016
  • •    Yorkshire Terrier, Cushing's disease, $295.28, claim paid on Friday, August 5, 2016
  • •    Domestic Mediumhair, Chronic kidney disease, $588.39, claim paid on Friday, August 5, 2016
  • •    Yorkshire Terrier, Diabetes, $295.28, claim paid on Friday, August 5, 2016
  • •    Miniature Smooth Haired Dachshund, Vomiting, $752.63, claim paid on Friday, August 5, 2016
  • •    Miniature Smooth Haired Dachshund, Mass(es), $752.63, claim paid on Friday, August 5, 2016
  • •    Miniature Smooth Haired Dachshund, Lethargy, $752.63, claim paid on Friday, August 5, 2016
  • •    Labrador Retriever, GDVT syndrome, $3,648.21, claim paid on Friday, August 5, 2016
  • •    Springer Spaniel, Urinary tract infection, $684.07, claim paid on Friday, August 5, 2016
  • •    Miniature Smooth Haired Dachshund, Anorexia, $752.63, claim paid on Friday, August 5, 2016
  • •    Springer Spaniel, Stranguria, $684.07, claim paid on Friday, August 5, 2016
  • •    Springer Spaniel, Urinary tract infection, $1,645.16, claim paid on Friday, August 5, 2016
  • •    Springer Spaniel, Stranguria, $1,645.16, claim paid on Friday, August 5, 2016
  • •    Miniature Smooth Haired Dachshund, Vomiting, $275.36, claim paid on Friday, August 5, 2016
  • •    Maltese, Anemia, $269.82, claim paid on Friday, August 5, 2016
  • •    Miniature Smooth Haired Dachshund, Mass(es), $275.36, claim paid on Friday, August 5, 2016
  • •    Miniature Smooth Haired Dachshund, Lethargy, $275.36, claim paid on Friday, August 5, 2016
  • •    Miniature Smooth Haired Dachshund, Anorexia, $275.36, claim paid on Friday, August 5, 2016
  • •    Maltese, Elevated liver enzymes, $269.82, claim paid on Friday, August 5, 2016
  • •    Maltese, elevated renal values, $269.82, claim paid on Friday, August 5, 2016
  • •    Victorian Bulldog, AD - Atopic dermatitis, $278.80, claim paid on Friday, August 5, 2016
  • •    Labrador Retriever (Yellow), Carcinoma, $509.18, claim paid on Friday, August 5, 2016
  • •    Beagle, Periodontal disease, $273.11, claim paid on Friday, August 5, 2016
  • •    Beagle, Diabetes mellitus, $273.11, claim paid on Friday, August 5, 2016
  • •    Beagle, CHF - Congestive heart failure, $273.11, claim paid on Friday, August 5, 2016
  • •    Poodle-Standard, Osteosarcoma of bone, $386.10, claim paid on Friday, August 5, 2016
  • •    French Bulldog, Allergy (Allergic), $261.00, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Inflammatory bowel disease, $3,028.68, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Pancreatitis, $3,028.68, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Kidney disease, $3,028.68, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Hyperlipidemia, $3,028.68, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Hypercholesterolemia, $3,028.68, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Hepatopathy, $3,028.68, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), adrenomegaly, $3,028.68, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Elevated lipase in serum, $3,028.68, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Nodule(s), $3,028.68, claim paid on Friday, August 5, 2016
  • •    Domestic Shorthair, Inappropriate urination, $407.70, claim paid on Friday, August 5, 2016
  • •    Domestic Shorthair, Pain, $407.70, claim paid on Friday, August 5, 2016
  • •    Miniature Smooth Haired Dachshund, dental & extractions, $428.91, claim paid on Friday, August 5, 2016
  • •    Bichon Frise, Vomiting, $455.41, claim paid on Friday, August 5, 2016
  • •    Bichon Frise, Diarrhea, $455.41, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), ACL Tear, $340.65, claim paid on Friday, August 5, 2016
  • •    Shih Tzu, Chronic otitis externa, $793.80, claim paid on Friday, August 5, 2016
  • •    Shih Tzu, Lump removal, $793.80, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Cruciate Rupture (ACL, CCL), $3,108.64, claim paid on Friday, August 5, 2016
  • •    Domestic Shorthair, Constipation, $340.20, claim paid on Friday, August 5, 2016
  • •    Domestic Shorthair, lymphoma, $340.20, claim paid on Friday, August 5, 2016
  • •    Labrador Retriever (Yellow), Lesion, $524.90, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Cruciate Rupture (ACL, CCL), $415.67, claim paid on Friday, August 5, 2016
  • •    Tibetan Terrier, Toxin ingestion, $5,028.30, claim paid on Friday, August 5, 2016
  • •    Tibetan Terrier, Ingestion of foreign material(Ingestion of foreign material), $5,028.30, claim paid on Friday, August 5, 2016
  • •    Poodle-Toy, Hyperadrenocorticism, $367.20, claim paid on Friday, August 5, 2016
  • •    Poodle-Toy, heart disease, $367.20, claim paid on Friday, August 5, 2016
  • •    Bichon Frise, dental & extractions, $809.87, claim paid on Friday, August 5, 2016
  • •    Cavalier King Charles Spaniel, Periodontal disease, $562.05, claim paid on Friday, August 5, 2016
  • •    American Cocker Spaniel, Cruciate Rupture (ACL, CCL), $2,481.17, claim paid on Friday, August 5, 2016
  • •    Bichon Frise, Fever, $1,791.72, claim paid on Friday, August 5, 2016
  • •    Bichon Frise, Diarrhea, $1,791.72, claim paid on Friday, August 5, 2016
  • •    Bichon Frise, decreased appetite, $1,791.72, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), crown fracture, $1,218.63, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Fractured teeth, $645.26, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Osteosarcoma of bone, $356.94, claim paid on Friday, August 5, 2016
  • •    German Shepherd, Cellulitis, $307.80, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Lameness, $356.94, claim paid on Friday, August 5, 2016
  • •    Labrador Retriever (Yellow), Pruritus, $333.45, claim paid on Friday, August 5, 2016
  • •    Labrador Retriever (Yellow), Allergic disease, $333.45, claim paid on Friday, August 5, 2016
  • •    English Bulldog, Cruciate Ligament Tear, $2,675.02, claim paid on Friday, August 5, 2016
  • •    Bernese Mountain Dog, Cruciate injury , $3,592.08, claim paid on Friday, August 5, 2016
  • •    Soft Coated Wheaten Terrier, Tumor, $393.63, claim paid on Friday, August 5, 2016
  • •    Bearded Collie, Heart murmur, $607.92, claim paid on Friday, August 5, 2016
  • •    Brussels Griffon (Brabancon), laceration, $357.46, claim paid on Friday, August 5, 2016
  • •    Boston Terrier, Allergy (Allergic), $1,012.83, claim paid on Friday, August 5, 2016
  • •    Great Dane, Gastric dilatation volvulus, $2,364.08, claim paid on Friday, August 5, 2016
  • •    Domestic Shorthair, Chronic Allergies, $481.50, claim paid on Friday, August 5, 2016
  • •    American Staffordshire Terrier, Mass effect, $375.58, claim paid on Friday, August 5, 2016
  • •    Bull Terrier, Linear foreign body, $4,699.54, claim paid on Friday, August 5, 2016
  • •    English Bulldog, Bronchopneumonia, $413.15, claim paid on Friday, August 5, 2016
  • •    English Bulldog, Cough, $413.15, claim paid on Friday, August 5, 2016
  • •    Bernese Mountain Dog, Retrobulbar abscess, $1,023.40, claim paid on Friday, August 5, 2016
  • •    Labradoodle, Umbilical hernia, $476.67, claim paid on Friday, August 5, 2016
  • •    Maltese, Missing teeth, $1,004.95, claim paid on Friday, August 5, 2016
  • •    Maltese, Fracture of tooth(Fracture of tooth), $1,004.95, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), calcium levels elevated in blood, $492.05, claim paid on Friday, August 5, 2016
  • •    Pomeranian, Vomiting, $356.85, claim paid on Friday, August 5, 2016
  • •    Pomeranian, Lethargy, $356.85, claim paid on Friday, August 5, 2016
  • •    Pomeranian, Regurgitation, $356.85, claim paid on Friday, August 5, 2016
  • •    English Bulldog, Heat stroke, $5,019.45, claim paid on Friday, August 5, 2016
  • •    French Bulldog, Gastroenteritis, $417.15, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Fractured tooth, $1,721.03, claim paid on Friday, August 5, 2016
  • •    Domestic Shorthair, Epileptic seizures, $769.47, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Splenectomy, $278.24, claim paid on Friday, August 5, 2016
  • •    Bernese Mountain Dog, lymphoma, $380.16, claim paid on Friday, August 5, 2016
  • •    Akbash Dog, Cruciate Rupture (ACL, CCL), $483.63, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Broken tooth, $1,089.21, claim paid on Friday, August 5, 2016
  • Cockapoo, lymphoma, $326.71, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Mass of hindlimb, $539.10, claim paid on Friday, August 5, 2016
  • •    Miniature Schnauzer, Vomiting, $443.16, claim paid on Friday, August 5, 2016
  • •    Miniature Schnauzer, Diarrhea, $443.16, claim paid on Friday, August 5, 2016
  • •    English Bulldog, Mast cell tumor, $405.00, claim paid on Friday, August 5, 2016
  • •    Domestic Mediumhair, Heart murmur, $588.39, claim paid on Friday, August 5, 2016
  • •    Domestic Mediumhair, Sneezing, $588.39, claim paid on Friday, August 5, 2016
  • •    Yorkshire Terrier, Cushing's disease, $295.28, claim paid on Friday, August 5, 2016
  • •    Domestic Mediumhair, Chronic kidney disease, $588.39, claim paid on Friday, August 5, 2016
  • •    Yorkshire Terrier, Diabetes, $295.28, claim paid on Friday, August 5, 2016
  • •    Miniature Smooth Haired Dachshund, Vomiting, $752.63, claim paid on Friday, August 5, 2016
  • •    Miniature Smooth Haired Dachshund, Mass(es), $752.63, claim paid on Friday, August 5, 2016
  • •    Miniature Smooth Haired Dachshund, Lethargy, $752.63, claim paid on Friday, August 5, 2016
  • •    Labrador Retriever, GDVT syndrome, $3,648.21, claim paid on Friday, August 5, 2016
  • •    Springer Spaniel, Urinary tract infection, $684.07, claim paid on Friday, August 5, 2016
  • •    Miniature Smooth Haired Dachshund, Anorexia, $752.63, claim paid on Friday, August 5, 2016
  • •    Springer Spaniel, Stranguria, $684.07, claim paid on Friday, August 5, 2016
  • •    Springer Spaniel, Urinary tract infection, $1,645.16, claim paid on Friday, August 5, 2016
  • •    Springer Spaniel, Stranguria, $1,645.16, claim paid on Friday, August 5, 2016
  • •    Miniature Smooth Haired Dachshund, Vomiting, $275.36, claim paid on Friday, August 5, 2016
  • •    Maltese, Anemia, $269.82, claim paid on Friday, August 5, 2016
  • •    Miniature Smooth Haired Dachshund, Mass(es), $275.36, claim paid on Friday, August 5, 2016
  • •    Miniature Smooth Haired Dachshund, Lethargy, $275.36, claim paid on Friday, August 5, 2016
  • •    Miniature Smooth Haired Dachshund, Anorexia, $275.36, claim paid on Friday, August 5, 2016
  • •    Maltese, Elevated liver enzymes, $269.82, claim paid on Friday, August 5, 2016
  • •    Maltese, elevated renal values, $269.82, claim paid on Friday, August 5, 2016
  • •    Victorian Bulldog, AD - Atopic dermatitis, $278.80, claim paid on Friday, August 5, 2016
  • •    Labrador Retriever (Yellow), Carcinoma, $509.18, claim paid on Friday, August 5, 2016
  • •    Beagle, Periodontal disease, $273.11, claim paid on Friday, August 5, 2016
  • •    Beagle, Diabetes mellitus, $273.11, claim paid on Friday, August 5, 2016
  • •    Beagle, CHF - Congestive heart failure, $273.11, claim paid on Friday, August 5, 2016
  • •    Poodle-Standard, Osteosarcoma of bone, $386.10, claim paid on Friday, August 5, 2016
  • •    French Bulldog, Allergy (Allergic), $261.00, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Inflammatory bowel disease, $3,028.68, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Pancreatitis, $3,028.68, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Kidney disease, $3,028.68, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Hyperlipidemia, $3,028.68, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Hypercholesterolemia, $3,028.68, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Hepatopathy, $3,028.68, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), adrenomegaly, $3,028.68, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Elevated lipase in serum, $3,028.68, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Nodule(s), $3,028.68, claim paid on Friday, August 5, 2016
  • •    Domestic Shorthair, Inappropriate urination, $407.70, claim paid on Friday, August 5, 2016
  • •    Domestic Shorthair, Pain, $407.70, claim paid on Friday, August 5, 2016
  • •    Miniature Smooth Haired Dachshund, dental & extractions, $428.91, claim paid on Friday, August 5, 2016
  • •    Bichon Frise, Vomiting, $455.41, claim paid on Friday, August 5, 2016
  • •    Bichon Frise, Diarrhea, $455.41, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), ACL Tear, $340.65, claim paid on Friday, August 5, 2016
  • •    Shih Tzu, Chronic otitis externa, $793.80, claim paid on Friday, August 5, 2016
  • •    Shih Tzu, Lump removal, $793.80, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Cruciate Rupture (ACL, CCL), $3,108.64, claim paid on Friday, August 5, 2016
  • •    Domestic Shorthair, Constipation, $340.20, claim paid on Friday, August 5, 2016
  • •    Domestic Shorthair, lymphoma, $340.20, claim paid on Friday, August 5, 2016
  • •    Labrador Retriever (Yellow), Lesion, $524.90, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Cruciate Rupture (ACL, CCL), $415.67, claim paid on Friday, August 5, 2016
  • •    Tibetan Terrier, Toxin ingestion, $5,028.30, claim paid on Friday, August 5, 2016
  • •    Tibetan Terrier, Ingestion of foreign material(Ingestion of foreign material), $5,028.30, claim paid on Friday, August 5, 2016
  • •    Poodle-Toy, Hyperadrenocorticism, $367.20, claim paid on Friday, August 5, 2016
  • •    Poodle-Toy, heart disease, $367.20, claim paid on Friday, August 5, 2016
  • •    Bichon Frise, dental & extractions, $809.87, claim paid on Friday, August 5, 2016
  • •    Cavalier King Charles Spaniel, Periodontal disease, $562.05, claim paid on Friday, August 5, 2016
  • •    American Cocker Spaniel, Cruciate Rupture (ACL, CCL), $2,481.17, claim paid on Friday, August 5, 2016
  • •    Bichon Frise, Fever, $1,791.72, claim paid on Friday, August 5, 2016
  • •    Bichon Frise, Diarrhea, $1,791.72, claim paid on Friday, August 5, 2016
  • •    Bichon Frise, decreased appetite, $1,791.72, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), crown fracture, $1,218.63, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Fractured teeth, $645.26, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Osteosarcoma of bone, $356.94, claim paid on Friday, August 5, 2016
  • •    German Shepherd, Cellulitis, $307.80, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Lameness, $356.94, claim paid on Friday, August 5, 2016
  • •    Labrador Retriever (Yellow), Pruritus, $333.45, claim paid on Friday, August 5, 2016
  • •    Labrador Retriever (Yellow), Allergic disease, $333.45, claim paid on Friday, August 5, 2016
  • •    English Bulldog, Cruciate Ligament Tear, $2,675.02, claim paid on Friday, August 5, 2016
  • •    Bernese Mountain Dog, Cruciate injury , $3,592.08, claim paid on Friday, August 5, 2016
  • •    Soft Coated Wheaten Terrier, Tumor, $393.63, claim paid on Friday, August 5, 2016
  • •    Bearded Collie, Heart murmur, $607.92, claim paid on Friday, August 5, 2016
  • •    Brussels Griffon (Brabancon), laceration, $357.46, claim paid on Friday, August 5, 2016
  • •    Boston Terrier, Allergy (Allergic), $1,012.83, claim paid on Friday, August 5, 2016
  • •    Great Dane, Gastric dilatation volvulus, $2,364.08, claim paid on Friday, August 5, 2016
  • •    Domestic Shorthair, Chronic Allergies, $481.50, claim paid on Friday, August 5, 2016
  • •    American Staffordshire Terrier, Mass effect, $375.58, claim paid on Friday, August 5, 2016
  • •    Bull Terrier, Linear foreign body, $4,699.54, claim paid on Friday, August 5, 2016
  • •    English Bulldog, Bronchopneumonia, $413.15, claim paid on Friday, August 5, 2016
  • •    English Bulldog, Cough, $413.15, claim paid on Friday, August 5, 2016
  • •    Bernese Mountain Dog, Retrobulbar abscess, $1,023.40, claim paid on Friday, August 5, 2016
  • •    Labradoodle, Umbilical hernia, $476.67, claim paid on Friday, August 5, 2016
  • •    Maltese, Missing teeth, $1,004.95, claim paid on Friday, August 5, 2016
  • •    Maltese, Fracture of tooth(Fracture of tooth), $1,004.95, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), calcium levels elevated in blood, $492.05, claim paid on Friday, August 5, 2016
  • •    Pomeranian, Vomiting, $356.85, claim paid on Friday, August 5, 2016
  • •    Pomeranian, Lethargy, $356.85, claim paid on Friday, August 5, 2016
  • •    Pomeranian, Regurgitation, $356.85, claim paid on Friday, August 5, 2016
  • •    English Bulldog, Heat stroke, $5,019.45, claim paid on Friday, August 5, 2016
  • •    French Bulldog, Gastroenteritis, $417.15, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Fractured tooth, $1,721.03, claim paid on Friday, August 5, 2016
  • •    Domestic Shorthair, Epileptic seizures, $769.47, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Splenectomy, $278.24, claim paid on Friday, August 5, 2016
  • •    Bernese Mountain Dog, lymphoma, $380.16, claim paid on Friday, August 5, 2016
  • •    Akbash Dog, Cruciate Rupture (ACL, CCL), $483.63, claim paid on Friday, August 5, 2016
  • •    Mixed Breed (Dog), Broken tooth, $1,089.21, claim paid on Friday, August 5, 2016
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