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:
  • Mixed Breed (Dog), Cruciate Rupture (ACL, CCL), $3,628.71, claim paid on Friday, February 5, 2016
  • •    Pyrenean Mountain Dog (Great Pyrenees), Hip Luxation, $827.10, claim paid on Friday, February 5, 2016
  • •    Chihuahua, Diarrhea, $580.50, claim paid on Friday, February 5, 2016
  • •    Chihuahua, Giardiasis, $580.50, claim paid on Friday, February 5, 2016
  • •    Beagle, Cushing's disease, $263.18, claim paid on Friday, February 5, 2016
  • •    Beagle, Diabetes, $263.18, claim paid on Friday, February 5, 2016
  • •    Beagle, Diabetes, $519.96, claim paid on Friday, February 5, 2016
  • •    Labradoodle, Toxin ingestion, $324.63, claim paid on Friday, February 5, 2016
  • •    Chihuahua, Bone Ingestion, $1,027.67, claim paid on Friday, February 5, 2016
  • •    Chihuahua, Foreign material ingestion(Ingestion of foreign material), $1,027.67, claim paid on Friday, February 5, 2016
  • •    English Springer Spaniel, Constipation, $604.16, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), laceration, $2,702.43, claim paid on Friday, February 5, 2016
  • •    Black Russian Terrier, Benign prostatic hyperplasia, $355.19, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Cushing's syndrome, $525.73, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Melanoma, $3,262.23, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Osteosarcoma of bone, $835.74, claim paid on Friday, February 5, 2016
  • •    Chihuahua (Short Coat), Reverse sneezing, $255.60, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Cat), Foreign body, $1,228.87, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Bleeding, $553.09, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Degenerative joint disease(Osteoarthritis), $553.09, claim paid on Friday, February 5, 2016
  • •    Newfoundland, Cardiomegaly, $475.20, claim paid on Friday, February 5, 2016
  • •    Newfoundland, Atrial fibrillation, $475.20, claim paid on Friday, February 5, 2016
  • •    Newfoundland, Cardiomegaly, $1,075.95, claim paid on Friday, February 5, 2016
  • •    Newfoundland, Atrial fibrillation, $1,075.95, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Dental disease, $469.72, claim paid on Friday, February 5, 2016
  • •    Bichon Frise, increased water consumption, $331.38, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), lymphoma, $262.80, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Hip dysplasia, $269.10, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Behavior modification aid, $269.10, claim paid on Friday, February 5, 2016
  • •    American Pitbull Terrier, Laryngeal paralysis, $5,360.12, claim paid on Friday, February 5, 2016
  • •    Domestic Shorthair, Weight decreased, $332.10, claim paid on Friday, February 5, 2016
  • •    Poodle-Standard, Salivary mucocele, $2,479.01, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Happy tail, $1,274.19, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Mobile tooth, $1,274.19, claim paid on Friday, February 5, 2016
  • •    Pug, Abscess, $7,682.08, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Infiltrative lipoma, $275.04, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Infiltrative lipoma, $550.08, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Cruciate Ligament Tear, $276.80, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Infiltrative lipoma, $275.04, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Infiltrative lipoma, $275.04, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Infiltrative lipoma, $275.04, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Cat), Gastroenteritis, $318.62, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Infiltrative lipoma, $275.04, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Infiltrative lipoma, $275.04, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Infiltrative lipoma, $815.04, claim paid on Friday, February 5, 2016
  • •    Domestic Shorthair, Weight decreased, $609.19, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Mass(es), $321.86, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Dental disease, $321.86, claim paid on Friday, February 5, 2016
  • •    Neapolitan Mastiff, Cruciate injury , $414.49, claim paid on Friday, February 5, 2016
  • •    Domestic Mediumhair, Jaundice, $495.00, claim paid on Friday, February 5, 2016
  • •    Domestic Mediumhair, Immune mediated hemolytic anemia, $495.00, claim paid on Friday, February 5, 2016
  • •    Australian Terrier, Foreign body, $405.47, claim paid on Friday, February 5, 2016
  • •    American Shorthair, Bad breath, $3,164.29, claim paid on Friday, February 5, 2016
  • •    American Shorthair, Feline oral resorptive lesion, $3,164.29, claim paid on Friday, February 5, 2016
  • •    English Springer Spaniel, Medication Ingestion, $390.32, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Arthritis, $817.20, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Muscle atrophy, $817.20, claim paid on Friday, February 5, 2016
  • •    Maltese, Shock, $438.17, claim paid on Friday, February 5, 2016
  • •    Maltese, Nystagmus, $438.17, claim paid on Friday, February 5, 2016
  • •    Maltese, Trauma, $438.17, claim paid on Friday, February 5, 2016
  • •    Maltese, Fall, $438.17, claim paid on Friday, February 5, 2016
  • •    Rhodesian Ridgeback, IBD - Inflammatory bowel disease, $456.21, claim paid on Friday, February 5, 2016
  • •    Doberman Pinscher, Arrhythmia, $1,177.29, claim paid on Friday, February 5, 2016
  • •    Poodle-Toy, Dental disease, $1,809.05, claim paid on Friday, February 5, 2016
  • •    Poodle-Toy, Tooth extraction, $1,809.05, claim paid on Friday, February 5, 2016
  • •    Doberman Pinscher, cardiomyopathy, $1,177.29, claim paid on Friday, February 5, 2016
  • •    Maltese, Pancreatitis, $2,614.35, claim paid on Friday, February 5, 2016
  • •    Maltese, Hypoadrenocorticism (Addison's disease), $2,614.35, claim paid on Friday, February 5, 2016
  • •    Maltese, KCS - Keratoconjunctivitis sicca, $2,614.35, claim paid on Friday, February 5, 2016
  • •    Maltese, Diabetes mellitus with ketoacidosis, $2,614.35, claim paid on Friday, February 5, 2016
  • •    Maltese, Decreased tear production, $2,614.35, claim paid on Friday, February 5, 2016
  • •    Domestic Shorthair, Weight decreased, $389.75, claim paid on Friday, February 5, 2016
  • •    Domestic Shorthair, Decrease in appetite, $389.75, claim paid on Friday, February 5, 2016
  • •    Domestic Shorthair, Chronic renal disease, $389.75, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Seizure, $823.21, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Otitis, $823.21, claim paid on Friday, February 5, 2016
  • •    English Bulldog, Lymphangiectasia, $282.93, claim paid on Friday, February 5, 2016
  • •    English Bulldog, IBD - Inflammatory bowel disease, $282.93, claim paid on Friday, February 5, 2016
  • •    Labrador Retriever (Chocolate), Mass(es), $1,350.00, claim paid on Friday, February 5, 2016
  • •    Labrador Retriever (Yellow), Dental disease, $1,135.35, claim paid on Friday, February 5, 2016
  • •    Havanese, Vomiting, $892.43, claim paid on Friday, February 5, 2016
  • •    Havanese, Diarrhea, $892.43, claim paid on Friday, February 5, 2016
  • •    English Bulldog, Lymphangiectasia, $308.99, claim paid on Friday, February 5, 2016
  • •    English Bulldog, IBD - Inflammatory bowel disease, $308.99, claim paid on Friday, February 5, 2016
  • •    German Shepherd, Cruciate Rupture (ACL, CCL), $1,846.54, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Cruciate Rupture (ACL, CCL), $2,235.13, claim paid on Friday, February 5, 2016
  • •    Domestic Shorthair, Lymphadenopathy, $404.78, claim paid on Friday, February 5, 2016
  • •    Chow Chow, Cruciate Rupture (ACL, CCL), $4,613.39, claim paid on Friday, February 5, 2016
  • •    Greyhound, Arthritis, $302.31, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Osteosarcoma of bone, $1,002.60, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Lameness, $1,002.60, claim paid on Friday, February 5, 2016
  • •    Labrador Retriever (Black), Sarcoma, $791.41, claim paid on Friday, February 5, 2016
  • •    Flat-Coated Retriever, Vomiting, $339.99, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Urolithiasis, $260.55, claim paid on Friday, February 5, 2016
  • •    Flat-Coated Retriever, Diarrhea, $339.99, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Constipation, $260.55, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), UTI - Urinary tract infection, $260.55, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Fracture, $260.55, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Hip dysplasia, $405.00, claim paid on Friday, February 5, 2016
  • •    Boston Terrier, Enteritis, $376.76, claim paid on Friday, February 5, 2016
  • Mixed Breed (Dog), Cruciate Rupture (ACL, CCL), $3,628.71, claim paid on Friday, February 5, 2016
  • •    Pyrenean Mountain Dog (Great Pyrenees), Hip Luxation, $827.10, claim paid on Friday, February 5, 2016
  • •    Chihuahua, Diarrhea, $580.50, claim paid on Friday, February 5, 2016
  • •    Chihuahua, Giardiasis, $580.50, claim paid on Friday, February 5, 2016
  • •    Beagle, Cushing's disease, $263.18, claim paid on Friday, February 5, 2016
  • •    Beagle, Diabetes, $263.18, claim paid on Friday, February 5, 2016
  • •    Beagle, Diabetes, $519.96, claim paid on Friday, February 5, 2016
  • •    Labradoodle, Toxin ingestion, $324.63, claim paid on Friday, February 5, 2016
  • •    Chihuahua, Bone Ingestion, $1,027.67, claim paid on Friday, February 5, 2016
  • •    Chihuahua, Foreign material ingestion(Ingestion of foreign material), $1,027.67, claim paid on Friday, February 5, 2016
  • •    English Springer Spaniel, Constipation, $604.16, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), laceration, $2,702.43, claim paid on Friday, February 5, 2016
  • •    Black Russian Terrier, Benign prostatic hyperplasia, $355.19, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Cushing's syndrome, $525.73, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Melanoma, $3,262.23, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Osteosarcoma of bone, $835.74, claim paid on Friday, February 5, 2016
  • •    Chihuahua (Short Coat), Reverse sneezing, $255.60, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Cat), Foreign body, $1,228.87, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Bleeding, $553.09, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Degenerative joint disease(Osteoarthritis), $553.09, claim paid on Friday, February 5, 2016
  • •    Newfoundland, Cardiomegaly, $475.20, claim paid on Friday, February 5, 2016
  • •    Newfoundland, Atrial fibrillation, $475.20, claim paid on Friday, February 5, 2016
  • •    Newfoundland, Cardiomegaly, $1,075.95, claim paid on Friday, February 5, 2016
  • •    Newfoundland, Atrial fibrillation, $1,075.95, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Dental disease, $469.72, claim paid on Friday, February 5, 2016
  • •    Bichon Frise, increased water consumption, $331.38, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), lymphoma, $262.80, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Hip dysplasia, $269.10, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Behavior modification aid, $269.10, claim paid on Friday, February 5, 2016
  • •    American Pitbull Terrier, Laryngeal paralysis, $5,360.12, claim paid on Friday, February 5, 2016
  • •    Domestic Shorthair, Weight decreased, $332.10, claim paid on Friday, February 5, 2016
  • •    Poodle-Standard, Salivary mucocele, $2,479.01, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Happy tail, $1,274.19, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Mobile tooth, $1,274.19, claim paid on Friday, February 5, 2016
  • •    Pug, Abscess, $7,682.08, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Infiltrative lipoma, $275.04, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Infiltrative lipoma, $550.08, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Cruciate Ligament Tear, $276.80, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Infiltrative lipoma, $275.04, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Infiltrative lipoma, $275.04, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Infiltrative lipoma, $275.04, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Cat), Gastroenteritis, $318.62, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Infiltrative lipoma, $275.04, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Infiltrative lipoma, $275.04, claim paid on Friday, February 5, 2016
  • •    Golden Retriever, Infiltrative lipoma, $815.04, claim paid on Friday, February 5, 2016
  • •    Domestic Shorthair, Weight decreased, $609.19, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Mass(es), $321.86, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Dental disease, $321.86, claim paid on Friday, February 5, 2016
  • •    Neapolitan Mastiff, Cruciate injury , $414.49, claim paid on Friday, February 5, 2016
  • •    Domestic Mediumhair, Jaundice, $495.00, claim paid on Friday, February 5, 2016
  • •    Domestic Mediumhair, Immune mediated hemolytic anemia, $495.00, claim paid on Friday, February 5, 2016
  • •    Australian Terrier, Foreign body, $405.47, claim paid on Friday, February 5, 2016
  • •    American Shorthair, Bad breath, $3,164.29, claim paid on Friday, February 5, 2016
  • •    American Shorthair, Feline oral resorptive lesion, $3,164.29, claim paid on Friday, February 5, 2016
  • •    English Springer Spaniel, Medication Ingestion, $390.32, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Arthritis, $817.20, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Muscle atrophy, $817.20, claim paid on Friday, February 5, 2016
  • •    Maltese, Shock, $438.17, claim paid on Friday, February 5, 2016
  • •    Maltese, Nystagmus, $438.17, claim paid on Friday, February 5, 2016
  • •    Maltese, Trauma, $438.17, claim paid on Friday, February 5, 2016
  • •    Maltese, Fall, $438.17, claim paid on Friday, February 5, 2016
  • •    Rhodesian Ridgeback, IBD - Inflammatory bowel disease, $456.21, claim paid on Friday, February 5, 2016
  • •    Doberman Pinscher, Arrhythmia, $1,177.29, claim paid on Friday, February 5, 2016
  • •    Poodle-Toy, Dental disease, $1,809.05, claim paid on Friday, February 5, 2016
  • •    Poodle-Toy, Tooth extraction, $1,809.05, claim paid on Friday, February 5, 2016
  • •    Doberman Pinscher, cardiomyopathy, $1,177.29, claim paid on Friday, February 5, 2016
  • •    Maltese, Pancreatitis, $2,614.35, claim paid on Friday, February 5, 2016
  • •    Maltese, Hypoadrenocorticism (Addison's disease), $2,614.35, claim paid on Friday, February 5, 2016
  • •    Maltese, KCS - Keratoconjunctivitis sicca, $2,614.35, claim paid on Friday, February 5, 2016
  • •    Maltese, Diabetes mellitus with ketoacidosis, $2,614.35, claim paid on Friday, February 5, 2016
  • •    Maltese, Decreased tear production, $2,614.35, claim paid on Friday, February 5, 2016
  • •    Domestic Shorthair, Weight decreased, $389.75, claim paid on Friday, February 5, 2016
  • •    Domestic Shorthair, Decrease in appetite, $389.75, claim paid on Friday, February 5, 2016
  • •    Domestic Shorthair, Chronic renal disease, $389.75, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Seizure, $823.21, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Otitis, $823.21, claim paid on Friday, February 5, 2016
  • •    English Bulldog, Lymphangiectasia, $282.93, claim paid on Friday, February 5, 2016
  • •    English Bulldog, IBD - Inflammatory bowel disease, $282.93, claim paid on Friday, February 5, 2016
  • •    Labrador Retriever (Chocolate), Mass(es), $1,350.00, claim paid on Friday, February 5, 2016
  • •    Labrador Retriever (Yellow), Dental disease, $1,135.35, claim paid on Friday, February 5, 2016
  • •    Havanese, Vomiting, $892.43, claim paid on Friday, February 5, 2016
  • •    Havanese, Diarrhea, $892.43, claim paid on Friday, February 5, 2016
  • •    English Bulldog, Lymphangiectasia, $308.99, claim paid on Friday, February 5, 2016
  • •    English Bulldog, IBD - Inflammatory bowel disease, $308.99, claim paid on Friday, February 5, 2016
  • •    German Shepherd, Cruciate Rupture (ACL, CCL), $1,846.54, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Cruciate Rupture (ACL, CCL), $2,235.13, claim paid on Friday, February 5, 2016
  • •    Domestic Shorthair, Lymphadenopathy, $404.78, claim paid on Friday, February 5, 2016
  • •    Chow Chow, Cruciate Rupture (ACL, CCL), $4,613.39, claim paid on Friday, February 5, 2016
  • •    Greyhound, Arthritis, $302.31, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Osteosarcoma of bone, $1,002.60, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Lameness, $1,002.60, claim paid on Friday, February 5, 2016
  • •    Labrador Retriever (Black), Sarcoma, $791.41, claim paid on Friday, February 5, 2016
  • •    Flat-Coated Retriever, Vomiting, $339.99, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Urolithiasis, $260.55, claim paid on Friday, February 5, 2016
  • •    Flat-Coated Retriever, Diarrhea, $339.99, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Constipation, $260.55, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), UTI - Urinary tract infection, $260.55, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Fracture, $260.55, claim paid on Friday, February 5, 2016
  • •    Mixed Breed (Dog), Hip dysplasia, $405.00, claim paid on Friday, February 5, 2016
  • •    Boston Terrier, Enteritis, $376.76, claim paid on Friday, February 5, 2016
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