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
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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:
  • Rottweiler, Foreign body in digestive tract, $2,742.44, claim paid on Friday, September 30, 2016
  • •    German Shepherd, Cruciate Ligament Tear, $329.10, claim paid on Friday, September 30, 2016
  • •    Shih Tzu, Corneal ulcer, $1,071.69, claim paid on Friday, September 30, 2016
  • •    Shih Tzu, Medication Ingestion, $1,071.69, claim paid on Friday, September 30, 2016
  • •    Shih Tzu, Allergy (Allergic), $1,071.69, claim paid on Friday, September 30, 2016
  • •    Labrador Retriever, Follicular cyst, $470.80, claim paid on Friday, September 30, 2016
  • •    Domestic Shorthair, Hyperthyroid, $365.52, claim paid on Friday, September 30, 2016
  • •    Pug, Macropalpebral fissure syndrome, $1,202.90, claim paid on Friday, September 30, 2016
  • •    Domestic Shorthair, Diarrhea, $648.99, claim paid on Friday, September 30, 2016
  • •    German Shepherd, Swelling, $430.88, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Chocolate intoxication, $574.51, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Foreign body, $2,165.08, claim paid on Friday, September 30, 2016
  • •    Yorkshire Terrier, liver issues, $352.10, claim paid on Friday, September 30, 2016
  • •    Maine Coon, Hypothyroidism, $350.82, claim paid on Friday, September 30, 2016
  • •    Maine Coon, Renal failure syndrome, $350.82, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), lymphoma, $800.64, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Enlargement of lymph nodes in the groin, $800.64, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Abscess, $644.94, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), lymphoma, $644.94, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Bone deformity, $644.94, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Enlargement of lymph nodes in the groin, $644.94, claim paid on Friday, September 30, 2016
  • •    French Bulldog, Regurgitation, $413.37, claim paid on Friday, September 30, 2016
  • •    Great Dane, UTI - Urinary tract infection, $273.33, claim paid on Friday, September 30, 2016
  • •    Great Dane, Abnormal, $273.33, claim paid on Friday, September 30, 2016
  • •    Great Dane, UTI - Urinary tract infection, $613.93, claim paid on Friday, September 30, 2016
  • •    Great Dane, Abnormal, $613.93, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Vomiting, $352.48, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Diarrhea, $352.48, claim paid on Friday, September 30, 2016
  • •    Pomeranian, liver issues, $493.92, claim paid on Friday, September 30, 2016
  • •    Labrador Retriever (Yellow), possible IBD, $2,006.10, claim paid on Friday, September 30, 2016
  • •    American Shorthair, Kidney disease, $446.36, claim paid on Friday, September 30, 2016
  • •    Cocker Spaniel, Abnormal, $396.48, claim paid on Friday, September 30, 2016
  • •    Cocker Spaniel, Allergy (Allergic), $396.48, claim paid on Friday, September 30, 2016
  • •    Giant Schnauzer, Pruritus, $403.10, claim paid on Friday, September 30, 2016
  • •    Giant Schnauzer, Anal sacculitis, $403.10, claim paid on Friday, September 30, 2016
  • •    Bernese Mountain Dog, Periodontal disease, $2,170.04, claim paid on Friday, September 30, 2016
  • •    Labrador Retriever (Yellow), Cranial cruciate ligament tear, $349.56, claim paid on Friday, September 30, 2016
  • •    Labrador Retriever (Yellow), Lameness, $349.56, claim paid on Friday, September 30, 2016
  • •    Bernese Mountain Dog, Lesion on tongue, $2,170.04, claim paid on Friday, September 30, 2016
  • •    French Bulldog, Myelopathy, $8,480.81, claim paid on Friday, September 30, 2016
  • •    Cavalier King Charles Spaniel, Pain, $253.53, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Foreign body, $257.40, claim paid on Friday, September 30, 2016
  • •    Domestic Shorthair, Arthritis, $2,410.49, claim paid on Friday, September 30, 2016
  • •    Goldendoodle, Growth(s), $433.37, claim paid on Friday, September 30, 2016
  • •    Maltese, Vomiting, $546.41, claim paid on Friday, September 30, 2016
  • •    German Shepherd, Hit by car(Victim, pedestrian in vehicular AND/OR traffic accident), $2,549.17, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Pneumothorax, $1,010.74, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Wound, $1,010.74, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Hit by car(Victim, pedestrian in vehicular AND/OR traffic accident), $1,010.74, claim paid on Friday, September 30, 2016
  • •    Boxer, Degenerative myelopathy, $297.00, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Pneumothorax, $2,978.24, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Wound, $2,978.24, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Hit by car(Victim, pedestrian in vehicular AND/OR traffic accident), $2,978.24, claim paid on Friday, September 30, 2016
  • •    German Shepherd, Adenocarcinoma, $360.09, claim paid on Friday, September 30, 2016
  • •    German Shepherd, Metastatic cancer, $360.09, claim paid on Friday, September 30, 2016
  • •    Labradoodle, Fracture, $581.54, claim paid on Friday, September 30, 2016
  • •    Labradoodle, laceration, $581.54, claim paid on Friday, September 30, 2016
  • •    Goldendoodle, Mass(es), $387.64, claim paid on Friday, September 30, 2016
  • •    Goldendoodle, Dehiscence of operation wound, $387.64, claim paid on Friday, September 30, 2016
  • •    Labrador Retriever, Cruciate Rupture (ACL, CCL), $362.70, claim paid on Friday, September 30, 2016
  • •    Goldendoodle, Mass(es), $410.41, claim paid on Friday, September 30, 2016
  • •    Labradoodle, Urinary incontinence, $278.55, claim paid on Friday, September 30, 2016
  • •    Labradoodle, Abnormal, $278.55, claim paid on Friday, September 30, 2016
  • •    Boxer, Chronic pancreatitis, $401.52, claim paid on Friday, September 30, 2016
  • •    Boxer, Osteoarthritis, $401.52, claim paid on Friday, September 30, 2016
  • •    Boxer, IBD - Inflammatory bowel disease, $401.52, claim paid on Friday, September 30, 2016
  • •    Shih Tzu, Pneumonia, $293.22, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), UTI - Urinary tract infection, $382.50, claim paid on Friday, September 30, 2016
  • •    Himalayan, Congestive heart failure, $598.77, claim paid on Friday, September 30, 2016
  • •    Boxer, lymphoma, $334.34, claim paid on Friday, September 30, 2016
  • •    Himalayan, Abnormal, $598.77, claim paid on Friday, September 30, 2016
  • •    Cavalier King Charles Spaniel, Lyme disease, $304.20, claim paid on Friday, September 30, 2016
  • •    Cavalier King Charles Spaniel, Lameness, $304.20, claim paid on Friday, September 30, 2016
  • •    English Cocker Spaniel, Vomiting, $1,125.86, claim paid on Friday, September 30, 2016
  • •    English Cocker Spaniel, Straining to defecate, $1,125.86, claim paid on Friday, September 30, 2016
  • •    Boxer, lymphoma, $496.79, claim paid on Friday, September 30, 2016
  • •    Labrador Retriever, Difficulty breathing, $572.67, claim paid on Friday, September 30, 2016
  • •    Maltese, Fever, $918.00, claim paid on Friday, September 30, 2016
  • •    Maltese, Viral infection, $918.00, claim paid on Friday, September 30, 2016
  • •    Golden Retriever, Limping, $1,366.23, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Bone fracture, $4,074.30, claim paid on Friday, September 30, 2016
  • •    Cockapoo, Vomiting, $395.98, claim paid on Friday, September 30, 2016
  • •    Cockapoo, Diarrhea, $395.98, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Cat), lymphoma, $1,853.82, claim paid on Friday, September 30, 2016
  • •    Australian Shepherd, Heart murmur, $554.49, claim paid on Friday, September 30, 2016
  • •    Labrador Retriever (Chocolate), Arthritis, $262.08, claim paid on Friday, September 30, 2016
  • •    Labrador Retriever, Ingestion of foreign material, $2,307.60, claim paid on Friday, September 30, 2016
  • •    Brittany, Exercise intolerance, $1,219.50, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Medication Ingestion, $882.00, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Cat), lymphoma, $517.73, claim paid on Friday, September 30, 2016
  • •    Argentine Dogo, Elbow dysplasia, $576.00, claim paid on Friday, September 30, 2016
  • •    Domestic Mediumhair, Anorexia, $959.75, claim paid on Friday, September 30, 2016
  • •    Domestic Mediumhair, lymphoma, $959.75, claim paid on Friday, September 30, 2016
  • •    Domestic Mediumhair, decreased appetite, $959.75, claim paid on Friday, September 30, 2016
  • •    Pomeranian, Heart murmur, $847.35, claim paid on Friday, September 30, 2016
  • •    Pomeranian, Malaise, $847.35, claim paid on Friday, September 30, 2016
  • •    Domestic Mediumhair, Anorexia, $2,722.88, claim paid on Friday, September 30, 2016
  • •    Domestic Mediumhair, lymphoma, $2,722.88, claim paid on Friday, September 30, 2016
  • •    Domestic Mediumhair, decreased appetite, $2,722.88, claim paid on Friday, September 30, 2016
  • •    Labrador Retriever (Yellow), Fracture, $550.22, claim paid on Friday, September 30, 2016
  • Rottweiler, Foreign body in digestive tract, $2,742.44, claim paid on Friday, September 30, 2016
  • •    German Shepherd, Cruciate Ligament Tear, $329.10, claim paid on Friday, September 30, 2016
  • •    Shih Tzu, Corneal ulcer, $1,071.69, claim paid on Friday, September 30, 2016
  • •    Shih Tzu, Medication Ingestion, $1,071.69, claim paid on Friday, September 30, 2016
  • •    Shih Tzu, Allergy (Allergic), $1,071.69, claim paid on Friday, September 30, 2016
  • •    Labrador Retriever, Follicular cyst, $470.80, claim paid on Friday, September 30, 2016
  • •    Domestic Shorthair, Hyperthyroid, $365.52, claim paid on Friday, September 30, 2016
  • •    Pug, Macropalpebral fissure syndrome, $1,202.90, claim paid on Friday, September 30, 2016
  • •    Domestic Shorthair, Diarrhea, $648.99, claim paid on Friday, September 30, 2016
  • •    German Shepherd, Swelling, $430.88, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Chocolate intoxication, $574.51, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Foreign body, $2,165.08, claim paid on Friday, September 30, 2016
  • •    Yorkshire Terrier, liver issues, $352.10, claim paid on Friday, September 30, 2016
  • •    Maine Coon, Hypothyroidism, $350.82, claim paid on Friday, September 30, 2016
  • •    Maine Coon, Renal failure syndrome, $350.82, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), lymphoma, $800.64, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Enlargement of lymph nodes in the groin, $800.64, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Abscess, $644.94, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), lymphoma, $644.94, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Bone deformity, $644.94, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Enlargement of lymph nodes in the groin, $644.94, claim paid on Friday, September 30, 2016
  • •    French Bulldog, Regurgitation, $413.37, claim paid on Friday, September 30, 2016
  • •    Great Dane, UTI - Urinary tract infection, $273.33, claim paid on Friday, September 30, 2016
  • •    Great Dane, Abnormal, $273.33, claim paid on Friday, September 30, 2016
  • •    Great Dane, UTI - Urinary tract infection, $613.93, claim paid on Friday, September 30, 2016
  • •    Great Dane, Abnormal, $613.93, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Vomiting, $352.48, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Diarrhea, $352.48, claim paid on Friday, September 30, 2016
  • •    Pomeranian, liver issues, $493.92, claim paid on Friday, September 30, 2016
  • •    Labrador Retriever (Yellow), possible IBD, $2,006.10, claim paid on Friday, September 30, 2016
  • •    American Shorthair, Kidney disease, $446.36, claim paid on Friday, September 30, 2016
  • •    Cocker Spaniel, Abnormal, $396.48, claim paid on Friday, September 30, 2016
  • •    Cocker Spaniel, Allergy (Allergic), $396.48, claim paid on Friday, September 30, 2016
  • •    Giant Schnauzer, Pruritus, $403.10, claim paid on Friday, September 30, 2016
  • •    Giant Schnauzer, Anal sacculitis, $403.10, claim paid on Friday, September 30, 2016
  • •    Bernese Mountain Dog, Periodontal disease, $2,170.04, claim paid on Friday, September 30, 2016
  • •    Labrador Retriever (Yellow), Cranial cruciate ligament tear, $349.56, claim paid on Friday, September 30, 2016
  • •    Labrador Retriever (Yellow), Lameness, $349.56, claim paid on Friday, September 30, 2016
  • •    Bernese Mountain Dog, Lesion on tongue, $2,170.04, claim paid on Friday, September 30, 2016
  • •    French Bulldog, Myelopathy, $8,480.81, claim paid on Friday, September 30, 2016
  • •    Cavalier King Charles Spaniel, Pain, $253.53, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Foreign body, $257.40, claim paid on Friday, September 30, 2016
  • •    Domestic Shorthair, Arthritis, $2,410.49, claim paid on Friday, September 30, 2016
  • •    Goldendoodle, Growth(s), $433.37, claim paid on Friday, September 30, 2016
  • •    Maltese, Vomiting, $546.41, claim paid on Friday, September 30, 2016
  • •    German Shepherd, Hit by car(Victim, pedestrian in vehicular AND/OR traffic accident), $2,549.17, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Pneumothorax, $1,010.74, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Wound, $1,010.74, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Hit by car(Victim, pedestrian in vehicular AND/OR traffic accident), $1,010.74, claim paid on Friday, September 30, 2016
  • •    Boxer, Degenerative myelopathy, $297.00, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Pneumothorax, $2,978.24, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Wound, $2,978.24, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Hit by car(Victim, pedestrian in vehicular AND/OR traffic accident), $2,978.24, claim paid on Friday, September 30, 2016
  • •    German Shepherd, Adenocarcinoma, $360.09, claim paid on Friday, September 30, 2016
  • •    German Shepherd, Metastatic cancer, $360.09, claim paid on Friday, September 30, 2016
  • •    Labradoodle, Fracture, $581.54, claim paid on Friday, September 30, 2016
  • •    Labradoodle, laceration, $581.54, claim paid on Friday, September 30, 2016
  • •    Goldendoodle, Mass(es), $387.64, claim paid on Friday, September 30, 2016
  • •    Goldendoodle, Dehiscence of operation wound, $387.64, claim paid on Friday, September 30, 2016
  • •    Labrador Retriever, Cruciate Rupture (ACL, CCL), $362.70, claim paid on Friday, September 30, 2016
  • •    Goldendoodle, Mass(es), $410.41, claim paid on Friday, September 30, 2016
  • •    Labradoodle, Urinary incontinence, $278.55, claim paid on Friday, September 30, 2016
  • •    Labradoodle, Abnormal, $278.55, claim paid on Friday, September 30, 2016
  • •    Boxer, Chronic pancreatitis, $401.52, claim paid on Friday, September 30, 2016
  • •    Boxer, Osteoarthritis, $401.52, claim paid on Friday, September 30, 2016
  • •    Boxer, IBD - Inflammatory bowel disease, $401.52, claim paid on Friday, September 30, 2016
  • •    Shih Tzu, Pneumonia, $293.22, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), UTI - Urinary tract infection, $382.50, claim paid on Friday, September 30, 2016
  • •    Himalayan, Congestive heart failure, $598.77, claim paid on Friday, September 30, 2016
  • •    Boxer, lymphoma, $334.34, claim paid on Friday, September 30, 2016
  • •    Himalayan, Abnormal, $598.77, claim paid on Friday, September 30, 2016
  • •    Cavalier King Charles Spaniel, Lyme disease, $304.20, claim paid on Friday, September 30, 2016
  • •    Cavalier King Charles Spaniel, Lameness, $304.20, claim paid on Friday, September 30, 2016
  • •    English Cocker Spaniel, Vomiting, $1,125.86, claim paid on Friday, September 30, 2016
  • •    English Cocker Spaniel, Straining to defecate, $1,125.86, claim paid on Friday, September 30, 2016
  • •    Boxer, lymphoma, $496.79, claim paid on Friday, September 30, 2016
  • •    Labrador Retriever, Difficulty breathing, $572.67, claim paid on Friday, September 30, 2016
  • •    Maltese, Fever, $918.00, claim paid on Friday, September 30, 2016
  • •    Maltese, Viral infection, $918.00, claim paid on Friday, September 30, 2016
  • •    Golden Retriever, Limping, $1,366.23, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Bone fracture, $4,074.30, claim paid on Friday, September 30, 2016
  • •    Cockapoo, Vomiting, $395.98, claim paid on Friday, September 30, 2016
  • •    Cockapoo, Diarrhea, $395.98, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Cat), lymphoma, $1,853.82, claim paid on Friday, September 30, 2016
  • •    Australian Shepherd, Heart murmur, $554.49, claim paid on Friday, September 30, 2016
  • •    Labrador Retriever (Chocolate), Arthritis, $262.08, claim paid on Friday, September 30, 2016
  • •    Labrador Retriever, Ingestion of foreign material, $2,307.60, claim paid on Friday, September 30, 2016
  • •    Brittany, Exercise intolerance, $1,219.50, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Dog), Medication Ingestion, $882.00, claim paid on Friday, September 30, 2016
  • •    Mixed Breed (Cat), lymphoma, $517.73, claim paid on Friday, September 30, 2016
  • •    Argentine Dogo, Elbow dysplasia, $576.00, claim paid on Friday, September 30, 2016
  • •    Domestic Mediumhair, Anorexia, $959.75, claim paid on Friday, September 30, 2016
  • •    Domestic Mediumhair, lymphoma, $959.75, claim paid on Friday, September 30, 2016
  • •    Domestic Mediumhair, decreased appetite, $959.75, claim paid on Friday, September 30, 2016
  • •    Pomeranian, Heart murmur, $847.35, claim paid on Friday, September 30, 2016
  • •    Pomeranian, Malaise, $847.35, claim paid on Friday, September 30, 2016
  • •    Domestic Mediumhair, Anorexia, $2,722.88, claim paid on Friday, September 30, 2016
  • •    Domestic Mediumhair, lymphoma, $2,722.88, claim paid on Friday, September 30, 2016
  • •    Domestic Mediumhair, decreased appetite, $2,722.88, claim paid on Friday, September 30, 2016
  • •    Labrador Retriever (Yellow), Fracture, $550.22, claim paid on Friday, September 30, 2016
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