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:
  • Scottish Fold, Heart murmur, $308.70, claim paid on Thursday, February 4, 2016
  • •    Coonhound, Cushing's disease, $345.63, claim paid on Thursday, February 4, 2016
  • •    German Shepherd, Fracture of Toe, $251.60, claim paid on Thursday, February 4, 2016
  • •    Golden Retriever, Diarrhea, $426.60, claim paid on Thursday, February 4, 2016
  • •    Golden Retriever, Hematemesis, $426.60, claim paid on Thursday, February 4, 2016
  • •    Siamese, Constipation, $358.38, claim paid on Thursday, February 4, 2016
  • •    Siamese, Infection, $358.38, claim paid on Thursday, February 4, 2016
  • •    Siamese, Callus, $358.38, claim paid on Thursday, February 4, 2016
  • •    Labrador Retriever (Chocolate), Foreign material ingestion(Ingestion of foreign material), $965.66, claim paid on Thursday, February 4, 2016
  • •    Siamese, Infection, $592.02, claim paid on Thursday, February 4, 2016
  • •    Siamese, Callus, $592.02, claim paid on Thursday, February 4, 2016
  • •    Sphynx, Injury, $461.03, claim paid on Thursday, February 4, 2016
  • •    Domestic Shorthair, Feline lower urinary tract disease, $327.98, claim paid on Thursday, February 4, 2016
  • •    Domestic Shorthair, Pruritic, $327.98, claim paid on Thursday, February 4, 2016
  • •    Maltese, Wound, $515.70, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Periodontal disease, $353.85, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Fracture of dewclaw, $353.85, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Tremor, $2,409.30, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Twitching, $2,409.30, claim paid on Thursday, February 4, 2016
  • •    Great Dane, Vomiting, $7,919.99, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Tremor, $342.00, claim paid on Thursday, February 4, 2016
  • •    Great Dane, Anorexia, $7,919.99, claim paid on Thursday, February 4, 2016
  • •    Great Dane, Lethargic, $7,919.99, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Twitching, $342.00, claim paid on Thursday, February 4, 2016
  • •    Shih Tzu, Mass(es), $316.58, claim paid on Thursday, February 4, 2016
  • •    Labrador Retriever (Yellow), Hooded vulva, $1,748.13, claim paid on Thursday, February 4, 2016
  • •    American Pitbull Terrier, Fragmented coronoid process, $324.62, claim paid on Thursday, February 4, 2016
  • •    Soft Coated Wheaten Terrier, Keratinizing cyst of skin, $704.75, claim paid on Thursday, February 4, 2016
  • •    Soft Coated Wheaten Terrier, Dermal Mass, $704.75, claim paid on Thursday, February 4, 2016
  • •    American Pitbull Terrier, Fragmented coronoid process, $279.00, claim paid on Thursday, February 4, 2016
  • •    Yorkshire Terrier, Dehydration, $1,166.39, claim paid on Thursday, February 4, 2016
  • •    Yorkshire Terrier, Lethargic, $1,166.39, claim paid on Thursday, February 4, 2016
  • •    Labrador Retriever, Nausea, $629.65, claim paid on Thursday, February 4, 2016
  • •    Labrador Retriever, Pain, $629.65, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Lipoma, $419.40, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Adrenal hyperadrenocorticism, $301.76, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Diabetes, $301.76, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Patellar luxation, $643.64, claim paid on Thursday, February 4, 2016
  • •    Yorkshire Terrier, luxating patella, $1,751.99, claim paid on Thursday, February 4, 2016
  • •    Labrador Retriever, AD - Atopic dermatitis, $274.15, claim paid on Thursday, February 4, 2016
  • •    Silken Windhound, Ventricular septal defect, $299.70, claim paid on Thursday, February 4, 2016
  • •    Silken Windhound, Alopecia, $299.70, claim paid on Thursday, February 4, 2016
  • •    Siberian Husky, Hepatic disease, $282.77, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Vomiting, $499.13, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Hematochezia, $499.13, claim paid on Thursday, February 4, 2016
  • •    Chihuahua, Corneal ulcer, $780.30, claim paid on Thursday, February 4, 2016
  • •    Golden Retriever, laceration, $346.58, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Vomiting, $556.55, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Foreign material ingestion(Ingestion of foreign material), $556.55, claim paid on Thursday, February 4, 2016
  • •    German Shorthaired Pointer, Hind end weakness, $553.10, claim paid on Thursday, February 4, 2016
  • •    German Shorthaired Pointer, inability to walk, $553.10, claim paid on Thursday, February 4, 2016
  • •    Basset Hound, Polyuria, $307.62, claim paid on Thursday, February 4, 2016
  • •    Doberman Pinscher, Hypoadrenocorticism, $306.14, claim paid on Thursday, February 4, 2016
  • •    Jack Russell Terrier, Dental disease, $342.54, claim paid on Thursday, February 4, 2016
  • •    Nova Scotia Duck Tolling Retriever, Melanoma, $558.00, claim paid on Thursday, February 4, 2016
  • •    Nova Scotia Duck Tolling Retriever, Melanoma, $526.50, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Ear infected, $588.38, claim paid on Thursday, February 4, 2016
  • •    American Shorthair, Constipation, $1,512.99, claim paid on Thursday, February 4, 2016
  • •    Labrador Retriever (Yellow), Infection, $1,530.64, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Mass(es), $354.45, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), lymphoma, $354.45, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Mitral valve regurgitation, $342.00, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Atrial fibrillation, $342.00, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Right heart failure, $342.00, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Hypertension, $342.00, claim paid on Thursday, February 4, 2016
  • •    Saint Bernard, Elbow dysplasia, $396.77, claim paid on Thursday, February 4, 2016
  • •    Australian Cattle Dog, IBD - Inflammatory bowel disease, $498.55, claim paid on Thursday, February 4, 2016
  • •    Pug, Cough, $277.43, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Lump, $311.47, claim paid on Thursday, February 4, 2016
  • •    Cane Corso, Parvo snap test - positive, $1,745.60, claim paid on Thursday, February 4, 2016
  • •    Keeshond, Meningitis, $283.73, claim paid on Thursday, February 4, 2016
  • •    Keeshond, Polyarthritis, $283.73, claim paid on Thursday, February 4, 2016
  • •    Poodle-Toy, Seizure, $457.74, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Chocolate intoxication, $897.50, claim paid on Thursday, February 4, 2016
  • •    Jack Russell Terrier, Medication Ingestion, $495.58, claim paid on Thursday, February 4, 2016
  • •    Bernese Mountain Dog, Lump, $295.73, claim paid on Thursday, February 4, 2016
  • •    Labradoodle, Foreign body in digestive tract, $4,651.35, claim paid on Thursday, February 4, 2016
  • •    Labradoodle, Gastritis, $4,651.35, claim paid on Thursday, February 4, 2016
  • •    Miniature Schnauzer, Bladder stone, $1,449.83, claim paid on Thursday, February 4, 2016
  • •    Labradoodle, Foreign body in digestive tract, $1,358.79, claim paid on Thursday, February 4, 2016
  • •    Labradoodle, Gastritis, $1,358.79, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Carcinoma, $370.92, claim paid on Thursday, February 4, 2016
  • •    American Pitbull Terrier, Cruciate Rupture (ACL, CCL), $3,705.35, claim paid on Thursday, February 4, 2016
  • •    Bichon Frise, Inappetence, $1,559.98, claim paid on Thursday, February 4, 2016
  • •    Cavalier King Charles Spaniel, Lethargy, $462.38, claim paid on Thursday, February 4, 2016
  • •    Cavalier King Charles Spaniel, Involuntary trembling, $462.38, claim paid on Thursday, February 4, 2016
  • •    Cavalier King Charles Spaniel, Atopy, $462.38, claim paid on Thursday, February 4, 2016
  • •    German Shepherd, Megaesophagus, $833.32, claim paid on Thursday, February 4, 2016
  • •    Boxer, Pain, $356.40, claim paid on Thursday, February 4, 2016
  • •    Boxer, Pain, $2,313.00, claim paid on Thursday, February 4, 2016
  • •    Doberman Pinscher, Anterior cruciate ligament rupture, $4,510.13, claim paid on Thursday, February 4, 2016
  • •    Bernese Mountain Dog, Mass(es), $958.44, claim paid on Thursday, February 4, 2016
  • •    Bernese Mountain Dog, Growth on lip, $958.44, claim paid on Thursday, February 4, 2016
  • •    Bernese Mountain Dog, Ear infection, external, $958.44, claim paid on Thursday, February 4, 2016
  • •    Bernese Mountain Dog, Dead tooth, $958.44, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Foreign material ingestion(Ingestion of foreign material), $3,552.96, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Laryngeal paralysis, $3,061.67, claim paid on Thursday, February 4, 2016
  • •    German Shepherd, lymphoma, $2,407.17, claim paid on Thursday, February 4, 2016
  • •    Yorkshire Terrier, Atlantoaxial subluxation, $348.06, claim paid on Thursday, February 4, 2016
  • •    Dachshund, Inflammation of prostate, $691.35, claim paid on Thursday, February 4, 2016
  • Scottish Fold, Heart murmur, $308.70, claim paid on Thursday, February 4, 2016
  • •    Coonhound, Cushing's disease, $345.63, claim paid on Thursday, February 4, 2016
  • •    German Shepherd, Fracture of Toe, $251.60, claim paid on Thursday, February 4, 2016
  • •    Golden Retriever, Diarrhea, $426.60, claim paid on Thursday, February 4, 2016
  • •    Golden Retriever, Hematemesis, $426.60, claim paid on Thursday, February 4, 2016
  • •    Siamese, Constipation, $358.38, claim paid on Thursday, February 4, 2016
  • •    Siamese, Infection, $358.38, claim paid on Thursday, February 4, 2016
  • •    Siamese, Callus, $358.38, claim paid on Thursday, February 4, 2016
  • •    Labrador Retriever (Chocolate), Foreign material ingestion(Ingestion of foreign material), $965.66, claim paid on Thursday, February 4, 2016
  • •    Siamese, Infection, $592.02, claim paid on Thursday, February 4, 2016
  • •    Siamese, Callus, $592.02, claim paid on Thursday, February 4, 2016
  • •    Sphynx, Injury, $461.03, claim paid on Thursday, February 4, 2016
  • •    Domestic Shorthair, Feline lower urinary tract disease, $327.98, claim paid on Thursday, February 4, 2016
  • •    Domestic Shorthair, Pruritic, $327.98, claim paid on Thursday, February 4, 2016
  • •    Maltese, Wound, $515.70, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Periodontal disease, $353.85, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Fracture of dewclaw, $353.85, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Tremor, $2,409.30, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Twitching, $2,409.30, claim paid on Thursday, February 4, 2016
  • •    Great Dane, Vomiting, $7,919.99, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Tremor, $342.00, claim paid on Thursday, February 4, 2016
  • •    Great Dane, Anorexia, $7,919.99, claim paid on Thursday, February 4, 2016
  • •    Great Dane, Lethargic, $7,919.99, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Twitching, $342.00, claim paid on Thursday, February 4, 2016
  • •    Shih Tzu, Mass(es), $316.58, claim paid on Thursday, February 4, 2016
  • •    Labrador Retriever (Yellow), Hooded vulva, $1,748.13, claim paid on Thursday, February 4, 2016
  • •    American Pitbull Terrier, Fragmented coronoid process, $324.62, claim paid on Thursday, February 4, 2016
  • •    Soft Coated Wheaten Terrier, Keratinizing cyst of skin, $704.75, claim paid on Thursday, February 4, 2016
  • •    Soft Coated Wheaten Terrier, Dermal Mass, $704.75, claim paid on Thursday, February 4, 2016
  • •    American Pitbull Terrier, Fragmented coronoid process, $279.00, claim paid on Thursday, February 4, 2016
  • •    Yorkshire Terrier, Dehydration, $1,166.39, claim paid on Thursday, February 4, 2016
  • •    Yorkshire Terrier, Lethargic, $1,166.39, claim paid on Thursday, February 4, 2016
  • •    Labrador Retriever, Nausea, $629.65, claim paid on Thursday, February 4, 2016
  • •    Labrador Retriever, Pain, $629.65, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Lipoma, $419.40, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Adrenal hyperadrenocorticism, $301.76, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Diabetes, $301.76, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Patellar luxation, $643.64, claim paid on Thursday, February 4, 2016
  • •    Yorkshire Terrier, luxating patella, $1,751.99, claim paid on Thursday, February 4, 2016
  • •    Labrador Retriever, AD - Atopic dermatitis, $274.15, claim paid on Thursday, February 4, 2016
  • •    Silken Windhound, Ventricular septal defect, $299.70, claim paid on Thursday, February 4, 2016
  • •    Silken Windhound, Alopecia, $299.70, claim paid on Thursday, February 4, 2016
  • •    Siberian Husky, Hepatic disease, $282.77, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Vomiting, $499.13, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Hematochezia, $499.13, claim paid on Thursday, February 4, 2016
  • •    Chihuahua, Corneal ulcer, $780.30, claim paid on Thursday, February 4, 2016
  • •    Golden Retriever, laceration, $346.58, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Vomiting, $556.55, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Foreign material ingestion(Ingestion of foreign material), $556.55, claim paid on Thursday, February 4, 2016
  • •    German Shorthaired Pointer, Hind end weakness, $553.10, claim paid on Thursday, February 4, 2016
  • •    German Shorthaired Pointer, inability to walk, $553.10, claim paid on Thursday, February 4, 2016
  • •    Basset Hound, Polyuria, $307.62, claim paid on Thursday, February 4, 2016
  • •    Doberman Pinscher, Hypoadrenocorticism, $306.14, claim paid on Thursday, February 4, 2016
  • •    Jack Russell Terrier, Dental disease, $342.54, claim paid on Thursday, February 4, 2016
  • •    Nova Scotia Duck Tolling Retriever, Melanoma, $558.00, claim paid on Thursday, February 4, 2016
  • •    Nova Scotia Duck Tolling Retriever, Melanoma, $526.50, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Ear infected, $588.38, claim paid on Thursday, February 4, 2016
  • •    American Shorthair, Constipation, $1,512.99, claim paid on Thursday, February 4, 2016
  • •    Labrador Retriever (Yellow), Infection, $1,530.64, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Mass(es), $354.45, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), lymphoma, $354.45, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Mitral valve regurgitation, $342.00, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Atrial fibrillation, $342.00, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Right heart failure, $342.00, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Hypertension, $342.00, claim paid on Thursday, February 4, 2016
  • •    Saint Bernard, Elbow dysplasia, $396.77, claim paid on Thursday, February 4, 2016
  • •    Australian Cattle Dog, IBD - Inflammatory bowel disease, $498.55, claim paid on Thursday, February 4, 2016
  • •    Pug, Cough, $277.43, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Lump, $311.47, claim paid on Thursday, February 4, 2016
  • •    Cane Corso, Parvo snap test - positive, $1,745.60, claim paid on Thursday, February 4, 2016
  • •    Keeshond, Meningitis, $283.73, claim paid on Thursday, February 4, 2016
  • •    Keeshond, Polyarthritis, $283.73, claim paid on Thursday, February 4, 2016
  • •    Poodle-Toy, Seizure, $457.74, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Chocolate intoxication, $897.50, claim paid on Thursday, February 4, 2016
  • •    Jack Russell Terrier, Medication Ingestion, $495.58, claim paid on Thursday, February 4, 2016
  • •    Bernese Mountain Dog, Lump, $295.73, claim paid on Thursday, February 4, 2016
  • •    Labradoodle, Foreign body in digestive tract, $4,651.35, claim paid on Thursday, February 4, 2016
  • •    Labradoodle, Gastritis, $4,651.35, claim paid on Thursday, February 4, 2016
  • •    Miniature Schnauzer, Bladder stone, $1,449.83, claim paid on Thursday, February 4, 2016
  • •    Labradoodle, Foreign body in digestive tract, $1,358.79, claim paid on Thursday, February 4, 2016
  • •    Labradoodle, Gastritis, $1,358.79, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Carcinoma, $370.92, claim paid on Thursday, February 4, 2016
  • •    American Pitbull Terrier, Cruciate Rupture (ACL, CCL), $3,705.35, claim paid on Thursday, February 4, 2016
  • •    Bichon Frise, Inappetence, $1,559.98, claim paid on Thursday, February 4, 2016
  • •    Cavalier King Charles Spaniel, Lethargy, $462.38, claim paid on Thursday, February 4, 2016
  • •    Cavalier King Charles Spaniel, Involuntary trembling, $462.38, claim paid on Thursday, February 4, 2016
  • •    Cavalier King Charles Spaniel, Atopy, $462.38, claim paid on Thursday, February 4, 2016
  • •    German Shepherd, Megaesophagus, $833.32, claim paid on Thursday, February 4, 2016
  • •    Boxer, Pain, $356.40, claim paid on Thursday, February 4, 2016
  • •    Boxer, Pain, $2,313.00, claim paid on Thursday, February 4, 2016
  • •    Doberman Pinscher, Anterior cruciate ligament rupture, $4,510.13, claim paid on Thursday, February 4, 2016
  • •    Bernese Mountain Dog, Mass(es), $958.44, claim paid on Thursday, February 4, 2016
  • •    Bernese Mountain Dog, Growth on lip, $958.44, claim paid on Thursday, February 4, 2016
  • •    Bernese Mountain Dog, Ear infection, external, $958.44, claim paid on Thursday, February 4, 2016
  • •    Bernese Mountain Dog, Dead tooth, $958.44, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Foreign material ingestion(Ingestion of foreign material), $3,552.96, claim paid on Thursday, February 4, 2016
  • •    Mixed Breed (Dog), Laryngeal paralysis, $3,061.67, claim paid on Thursday, February 4, 2016
  • •    German Shepherd, lymphoma, $2,407.17, claim paid on Thursday, February 4, 2016
  • •    Yorkshire Terrier, Atlantoaxial subluxation, $348.06, claim paid on Thursday, February 4, 2016
  • •    Dachshund, Inflammation of prostate, $691.35, claim paid on Thursday, February 4, 2016
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