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:
  • Border Collie, immune mediated disease, $1,091.21, claim paid on Friday, July 29, 2016
  • •    Border Collie, immune mediated disease, $600.30, claim paid on Friday, July 29, 2016
  • •    Border Collie, immune mediated disease, $2,207.02, claim paid on Friday, July 29, 2016
  • •    Border Collie, Gastroenteritis, $411.48, claim paid on Friday, July 29, 2016
  • •    Border Collie, Gastroenteritis, $751.76, claim paid on Friday, July 29, 2016
  • •    Border Collie, Gastroenteritis, $841.10, claim paid on Friday, July 29, 2016
  • •    Border Collie, Gastroenteritis, $1,037.61, claim paid on Friday, July 29, 2016
  • •    Golden Retriever, Nodular hyperplasia, $925.10, claim paid on Friday, July 29, 2016
  • •    Golden Retriever, Foreign body, $925.10, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), Mass(es), $620.26, claim paid on Friday, July 29, 2016
  • •    Miniature Smooth Haired Dachshund, Diabetic ketoacidosis, $4,963.50, claim paid on Friday, July 29, 2016
  • •    American Bulldog, Elbow dysplasia, $783.90, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), Anxiety, $423.00, claim paid on Friday, July 29, 2016
  • •    Bernese Mountain Dog, Fractured teeth, $407.26, claim paid on Friday, July 29, 2016
  • •    Domestic Mediumhair, Jaundice, $1,514.25, claim paid on Friday, July 29, 2016
  • •    Domestic Mediumhair, Dehiscence of operation wound, $1,514.25, claim paid on Friday, July 29, 2016
  • •    Domestic Mediumhair, Immune mediated hemolytic anemia, $1,514.25, claim paid on Friday, July 29, 2016
  • •    American Pitbull Terrier, Atopic Dermatitis, $324.63, claim paid on Friday, July 29, 2016
  • •    Labrador Retriever (Black), Foreign body in digestive tract, $320.18, claim paid on Friday, July 29, 2016
  • •    Labrador Retriever (Black), Vomiting, $320.18, claim paid on Friday, July 29, 2016
  • •    Golden Retriever, Retrobulbar abscess, $321.57, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), Canine distemper, $671.97, claim paid on Friday, July 29, 2016
  • •    Maltese, Sudden acquired retinal degeneration, $362.88, claim paid on Friday, July 29, 2016
  • •    Shih Tzu, Heart murmur, $742.18, claim paid on Friday, July 29, 2016
  • •    Yorkshire Terrier, Hematuria, $727.16, claim paid on Friday, July 29, 2016
  • •    Dachshund - Standard Smooth Haired, Liver congestion, $1,691.48, claim paid on Friday, July 29, 2016
  • •    Dachshund - Standard Smooth Haired, Abnormal, $1,691.48, claim paid on Friday, July 29, 2016
  • •    Dachshund - Standard Smooth Haired, Gastric dilation volvulus, $1,691.48, claim paid on Friday, July 29, 2016
  • •    Dachshund - Standard Smooth Haired, Gastric dilation volvulus, $562.27, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), Pancreatitis, $596.21, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), Acute kidney failure, $596.21, claim paid on Friday, July 29, 2016
  • •    Bernese Mountain Dog, stenosis, $2,206.98, claim paid on Friday, July 29, 2016
  • •    Bernese Mountain Dog, Spinal disc disease, $2,206.98, claim paid on Friday, July 29, 2016
  • •    Bernese Mountain Dog, Cruciate Rupture (ACL, CCL), $3,565.89, claim paid on Friday, July 29, 2016
  • •    Boxer, Lymphadenopathy, $479.52, claim paid on Friday, July 29, 2016
  • •    Boxer, Polyuria and polydipsia, $479.52, claim paid on Friday, July 29, 2016
  • •    Vizsla, Wheezing, $362.41, claim paid on Friday, July 29, 2016
  • •    Vizsla, Cough, $362.41, claim paid on Friday, July 29, 2016
  • •    Irish Wolfhound, Foreign body, $6,461.10, claim paid on Friday, July 29, 2016
  • •    Yorkshire Terrier, Gastroenteritis, $294.55, claim paid on Friday, July 29, 2016
  • •    Yorkshire Terrier, Coprophagia, $294.55, claim paid on Friday, July 29, 2016
  • •    Yorkshire Terrier, enterocolitis, $294.55, claim paid on Friday, July 29, 2016
  • •    American Pitbull Terrier, ACL Tear, $1,844.78, claim paid on Friday, July 29, 2016
  • •    Poodle-Toy, laceration, $1,056.45, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), Cough, $314.99, claim paid on Friday, July 29, 2016
  • •    Poodle-Toy, laceration, $1,056.45, claim paid on Friday, July 29, 2016
  • •    Labrador Retriever (Yellow), hyperechoic, $489.83, claim paid on Friday, July 29, 2016
  • •    Labrador Retriever (Black), Medication Ingestion, $1,933.11, claim paid on Friday, July 29, 2016
  • •    Labrador Retriever (Yellow), Nodule(s), $489.83, claim paid on Friday, July 29, 2016
  • •    Shih Tzu, Hindlimb paralysis, $505.98, claim paid on Friday, July 29, 2016
  • •    Shih Tzu, lymphoma, $505.98, claim paid on Friday, July 29, 2016
  • •    French Bulldog, Mast cell tumor, $725.37, claim paid on Friday, July 29, 2016
  • •    Yorkshire Terrier, Pancreatitis, $450.61, claim paid on Friday, July 29, 2016
  • •    Yorkshire Terrier, Kidney disease, $450.61, claim paid on Friday, July 29, 2016
  • •    Yorkshire Terrier, Tracheal collapse, $450.61, claim paid on Friday, July 29, 2016
  • •    Shih Tzu, Medial luxation of patella, $3,358.35, claim paid on Friday, July 29, 2016
  • •    Shih Tzu, Cruciate Ligament Tear, $3,358.35, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Cat), Diabetes mellitus, $266.37, claim paid on Friday, July 29, 2016
  • •    German Shepherd, Hip dysplasia, $305.90, claim paid on Friday, July 29, 2016
  • •    German Shepherd, liver issues, $305.90, claim paid on Friday, July 29, 2016
  • •    Domestic Shorthair, Tumor, $1,772.75, claim paid on Friday, July 29, 2016
  • •    German Shepherd, Hemangiosarcoma, $451.94, claim paid on Friday, July 29, 2016
  • •    American Cocker Spaniel, Tumor, $340.74, claim paid on Friday, July 29, 2016
  • •    Black Russian Terrier, UTI - Lower urinary tract infection, $404.28, claim paid on Friday, July 29, 2016
  • •    Black Russian Terrier, Difficulty in urination, $404.28, claim paid on Friday, July 29, 2016
  • •    Domestic Shorthair, Periodontal disease, $478.46, claim paid on Friday, July 29, 2016
  • •    English Bulldog, Cruciate Rupture (ACL, CCL), $1,250.52, claim paid on Friday, July 29, 2016
  • •    Pomeranian, biliary mucocele, $5,852.57, claim paid on Friday, July 29, 2016
  • •    Saint Bernard, Seizure, $257.83, claim paid on Friday, July 29, 2016
  • •    Saint Bernard, Seizure, $339.00, claim paid on Friday, July 29, 2016
  • •    German Shorthaired Pointer, Nausea, $350.63, claim paid on Friday, July 29, 2016
  • •    German Shorthaired Pointer, Urinary incontinence, $350.63, claim paid on Friday, July 29, 2016
  • •    German Shorthaired Pointer, Swallowing difficult, $350.63, claim paid on Friday, July 29, 2016
  • •    German Shorthaired Pointer, Palpation abnormal, $350.63, claim paid on Friday, July 29, 2016
  • •    Cavalier King Charles Spaniel, Vestibular disease, $1,225.19, claim paid on Friday, July 29, 2016
  • •    Rhodesian Ridgeback, Fractured tooth, $310.73, claim paid on Friday, July 29, 2016
  • •    Rhodesian Ridgeback, Lipoma, $310.73, claim paid on Friday, July 29, 2016
  • •    Schnoodle, Vomiting, $342.86, claim paid on Friday, July 29, 2016
  • •    Domestic Shorthair, Mass(es), $1,225.06, claim paid on Friday, July 29, 2016
  • •    Boxer, Diarrhea, $505.30, claim paid on Friday, July 29, 2016
  • •    Schnoodle, Gastroenteritis, $342.86, claim paid on Friday, July 29, 2016
  • •    Golden Retriever, Fractured tooth, $1,343.40, claim paid on Friday, July 29, 2016
  • •    Pug, Brachycephalic airway syndrome, $2,294.96, claim paid on Friday, July 29, 2016
  • •    American Pitbull Terrier, Cruciate Rupture (ACL, CCL), $3,932.41, claim paid on Friday, July 29, 2016
  • •    Miniature Schnauzer, Sneezing, $790.35, claim paid on Friday, July 29, 2016
  • •    Miniature Australian Shepherd, Giardiasis, $440.10, claim paid on Friday, July 29, 2016
  • •    Bichon Frise, Diarrhea, $351.81, claim paid on Friday, July 29, 2016
  • •    Brussels Griffon (Brabancon), Diabetes, $1,107.45, claim paid on Friday, July 29, 2016
  • •    Yorkshire Terrier, Diabetes, $3,480.98, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), Megaesophagus, $302.33, claim paid on Friday, July 29, 2016
  • •    Whippet, Pulmonary arterial pressure elevated, $385.15, claim paid on Friday, July 29, 2016
  • •    Whippet, Mitral valve dysplasia, $385.15, claim paid on Friday, July 29, 2016
  • •    Whippet, Congestive heart disease, $385.15, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), IVDD Intervertebral disc disease (IVDD ), $283.50, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), MPL - Medial patellar luxation, $302.33, claim paid on Friday, July 29, 2016
  • •    Cocker Spaniel, Bloody diarrhea, $287.44, claim paid on Friday, July 29, 2016
  • •    Bichon Frise, Bladder stone, $1,552.99, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), Weight decreased, $553.39, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), Diarrhea, $553.39, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), luxating patella, $2,263.73, claim paid on Friday, July 29, 2016
  • Border Collie, immune mediated disease, $1,091.21, claim paid on Friday, July 29, 2016
  • •    Border Collie, immune mediated disease, $600.30, claim paid on Friday, July 29, 2016
  • •    Border Collie, immune mediated disease, $2,207.02, claim paid on Friday, July 29, 2016
  • •    Border Collie, Gastroenteritis, $411.48, claim paid on Friday, July 29, 2016
  • •    Border Collie, Gastroenteritis, $751.76, claim paid on Friday, July 29, 2016
  • •    Border Collie, Gastroenteritis, $841.10, claim paid on Friday, July 29, 2016
  • •    Border Collie, Gastroenteritis, $1,037.61, claim paid on Friday, July 29, 2016
  • •    Golden Retriever, Nodular hyperplasia, $925.10, claim paid on Friday, July 29, 2016
  • •    Golden Retriever, Foreign body, $925.10, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), Mass(es), $620.26, claim paid on Friday, July 29, 2016
  • •    Miniature Smooth Haired Dachshund, Diabetic ketoacidosis, $4,963.50, claim paid on Friday, July 29, 2016
  • •    American Bulldog, Elbow dysplasia, $783.90, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), Anxiety, $423.00, claim paid on Friday, July 29, 2016
  • •    Bernese Mountain Dog, Fractured teeth, $407.26, claim paid on Friday, July 29, 2016
  • •    Domestic Mediumhair, Jaundice, $1,514.25, claim paid on Friday, July 29, 2016
  • •    Domestic Mediumhair, Dehiscence of operation wound, $1,514.25, claim paid on Friday, July 29, 2016
  • •    Domestic Mediumhair, Immune mediated hemolytic anemia, $1,514.25, claim paid on Friday, July 29, 2016
  • •    American Pitbull Terrier, Atopic Dermatitis, $324.63, claim paid on Friday, July 29, 2016
  • •    Labrador Retriever (Black), Foreign body in digestive tract, $320.18, claim paid on Friday, July 29, 2016
  • •    Labrador Retriever (Black), Vomiting, $320.18, claim paid on Friday, July 29, 2016
  • •    Golden Retriever, Retrobulbar abscess, $321.57, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), Canine distemper, $671.97, claim paid on Friday, July 29, 2016
  • •    Maltese, Sudden acquired retinal degeneration, $362.88, claim paid on Friday, July 29, 2016
  • •    Shih Tzu, Heart murmur, $742.18, claim paid on Friday, July 29, 2016
  • •    Yorkshire Terrier, Hematuria, $727.16, claim paid on Friday, July 29, 2016
  • •    Dachshund - Standard Smooth Haired, Liver congestion, $1,691.48, claim paid on Friday, July 29, 2016
  • •    Dachshund - Standard Smooth Haired, Abnormal, $1,691.48, claim paid on Friday, July 29, 2016
  • •    Dachshund - Standard Smooth Haired, Gastric dilation volvulus, $1,691.48, claim paid on Friday, July 29, 2016
  • •    Dachshund - Standard Smooth Haired, Gastric dilation volvulus, $562.27, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), Pancreatitis, $596.21, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), Acute kidney failure, $596.21, claim paid on Friday, July 29, 2016
  • •    Bernese Mountain Dog, stenosis, $2,206.98, claim paid on Friday, July 29, 2016
  • •    Bernese Mountain Dog, Spinal disc disease, $2,206.98, claim paid on Friday, July 29, 2016
  • •    Bernese Mountain Dog, Cruciate Rupture (ACL, CCL), $3,565.89, claim paid on Friday, July 29, 2016
  • •    Boxer, Lymphadenopathy, $479.52, claim paid on Friday, July 29, 2016
  • •    Boxer, Polyuria and polydipsia, $479.52, claim paid on Friday, July 29, 2016
  • •    Vizsla, Wheezing, $362.41, claim paid on Friday, July 29, 2016
  • •    Vizsla, Cough, $362.41, claim paid on Friday, July 29, 2016
  • •    Irish Wolfhound, Foreign body, $6,461.10, claim paid on Friday, July 29, 2016
  • •    Yorkshire Terrier, Gastroenteritis, $294.55, claim paid on Friday, July 29, 2016
  • •    Yorkshire Terrier, Coprophagia, $294.55, claim paid on Friday, July 29, 2016
  • •    Yorkshire Terrier, enterocolitis, $294.55, claim paid on Friday, July 29, 2016
  • •    American Pitbull Terrier, ACL Tear, $1,844.78, claim paid on Friday, July 29, 2016
  • •    Poodle-Toy, laceration, $1,056.45, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), Cough, $314.99, claim paid on Friday, July 29, 2016
  • •    Poodle-Toy, laceration, $1,056.45, claim paid on Friday, July 29, 2016
  • •    Labrador Retriever (Yellow), hyperechoic, $489.83, claim paid on Friday, July 29, 2016
  • •    Labrador Retriever (Black), Medication Ingestion, $1,933.11, claim paid on Friday, July 29, 2016
  • •    Labrador Retriever (Yellow), Nodule(s), $489.83, claim paid on Friday, July 29, 2016
  • •    Shih Tzu, Hindlimb paralysis, $505.98, claim paid on Friday, July 29, 2016
  • •    Shih Tzu, lymphoma, $505.98, claim paid on Friday, July 29, 2016
  • •    French Bulldog, Mast cell tumor, $725.37, claim paid on Friday, July 29, 2016
  • •    Yorkshire Terrier, Pancreatitis, $450.61, claim paid on Friday, July 29, 2016
  • •    Yorkshire Terrier, Kidney disease, $450.61, claim paid on Friday, July 29, 2016
  • •    Yorkshire Terrier, Tracheal collapse, $450.61, claim paid on Friday, July 29, 2016
  • •    Shih Tzu, Medial luxation of patella, $3,358.35, claim paid on Friday, July 29, 2016
  • •    Shih Tzu, Cruciate Ligament Tear, $3,358.35, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Cat), Diabetes mellitus, $266.37, claim paid on Friday, July 29, 2016
  • •    German Shepherd, Hip dysplasia, $305.90, claim paid on Friday, July 29, 2016
  • •    German Shepherd, liver issues, $305.90, claim paid on Friday, July 29, 2016
  • •    Domestic Shorthair, Tumor, $1,772.75, claim paid on Friday, July 29, 2016
  • •    German Shepherd, Hemangiosarcoma, $451.94, claim paid on Friday, July 29, 2016
  • •    American Cocker Spaniel, Tumor, $340.74, claim paid on Friday, July 29, 2016
  • •    Black Russian Terrier, UTI - Lower urinary tract infection, $404.28, claim paid on Friday, July 29, 2016
  • •    Black Russian Terrier, Difficulty in urination, $404.28, claim paid on Friday, July 29, 2016
  • •    Domestic Shorthair, Periodontal disease, $478.46, claim paid on Friday, July 29, 2016
  • •    English Bulldog, Cruciate Rupture (ACL, CCL), $1,250.52, claim paid on Friday, July 29, 2016
  • •    Pomeranian, biliary mucocele, $5,852.57, claim paid on Friday, July 29, 2016
  • •    Saint Bernard, Seizure, $257.83, claim paid on Friday, July 29, 2016
  • •    Saint Bernard, Seizure, $339.00, claim paid on Friday, July 29, 2016
  • •    German Shorthaired Pointer, Nausea, $350.63, claim paid on Friday, July 29, 2016
  • •    German Shorthaired Pointer, Urinary incontinence, $350.63, claim paid on Friday, July 29, 2016
  • •    German Shorthaired Pointer, Swallowing difficult, $350.63, claim paid on Friday, July 29, 2016
  • •    German Shorthaired Pointer, Palpation abnormal, $350.63, claim paid on Friday, July 29, 2016
  • •    Cavalier King Charles Spaniel, Vestibular disease, $1,225.19, claim paid on Friday, July 29, 2016
  • •    Rhodesian Ridgeback, Fractured tooth, $310.73, claim paid on Friday, July 29, 2016
  • •    Rhodesian Ridgeback, Lipoma, $310.73, claim paid on Friday, July 29, 2016
  • •    Schnoodle, Vomiting, $342.86, claim paid on Friday, July 29, 2016
  • •    Domestic Shorthair, Mass(es), $1,225.06, claim paid on Friday, July 29, 2016
  • •    Boxer, Diarrhea, $505.30, claim paid on Friday, July 29, 2016
  • •    Schnoodle, Gastroenteritis, $342.86, claim paid on Friday, July 29, 2016
  • •    Golden Retriever, Fractured tooth, $1,343.40, claim paid on Friday, July 29, 2016
  • •    Pug, Brachycephalic airway syndrome, $2,294.96, claim paid on Friday, July 29, 2016
  • •    American Pitbull Terrier, Cruciate Rupture (ACL, CCL), $3,932.41, claim paid on Friday, July 29, 2016
  • •    Miniature Schnauzer, Sneezing, $790.35, claim paid on Friday, July 29, 2016
  • •    Miniature Australian Shepherd, Giardiasis, $440.10, claim paid on Friday, July 29, 2016
  • •    Bichon Frise, Diarrhea, $351.81, claim paid on Friday, July 29, 2016
  • •    Brussels Griffon (Brabancon), Diabetes, $1,107.45, claim paid on Friday, July 29, 2016
  • •    Yorkshire Terrier, Diabetes, $3,480.98, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), Megaesophagus, $302.33, claim paid on Friday, July 29, 2016
  • •    Whippet, Pulmonary arterial pressure elevated, $385.15, claim paid on Friday, July 29, 2016
  • •    Whippet, Mitral valve dysplasia, $385.15, claim paid on Friday, July 29, 2016
  • •    Whippet, Congestive heart disease, $385.15, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), IVDD Intervertebral disc disease (IVDD ), $283.50, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), MPL - Medial patellar luxation, $302.33, claim paid on Friday, July 29, 2016
  • •    Cocker Spaniel, Bloody diarrhea, $287.44, claim paid on Friday, July 29, 2016
  • •    Bichon Frise, Bladder stone, $1,552.99, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), Weight decreased, $553.39, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), Diarrhea, $553.39, claim paid on Friday, July 29, 2016
  • •    Mixed Breed (Dog), luxating patella, $2,263.73, claim paid on Friday, July 29, 2016
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