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:
  • Mixed Breed (Dog), Mass(es), $1,117.62, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Dental disease, $1,117.62, claim paid on Wednesday, June 29, 2016
  • •    Miniature Smooth Haired Dachshund, Raisin toxicity, $1,419.20, claim paid on Wednesday, June 29, 2016
  • •    Miniature Smooth Haired Dachshund, Chocolate poisoning, $1,419.20, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Vomiting, $495.14, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Diarrhea, $495.14, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), FB ingestion, $495.14, claim paid on Wednesday, June 29, 2016
  • •    Domestic Shorthair, Jaundice, $3,315.18, claim paid on Wednesday, June 29, 2016
  • •    Domestic Shorthair, Liver disease, $3,315.18, claim paid on Wednesday, June 29, 2016
  • •    Labrador Retriever, Lethargy, $342.00, claim paid on Wednesday, June 29, 2016
  • •    Labrador Retriever, Diarrhea, $342.00, claim paid on Wednesday, June 29, 2016
  • •    Shih Tzu, Heart murmur, $414.00, claim paid on Wednesday, June 29, 2016
  • •    Shih Tzu, cardiac disease, $414.00, claim paid on Wednesday, June 29, 2016
  • •    Labrador Retriever, Lethargy, $599.60, claim paid on Wednesday, June 29, 2016
  • •    Labrador Retriever, Diarrhea, $599.60, claim paid on Wednesday, June 29, 2016
  • •    Labrador Retriever, Lethargy, $265.65, claim paid on Wednesday, June 29, 2016
  • •    Labrador Retriever, Diarrhea, $265.65, claim paid on Wednesday, June 29, 2016
  • •    Poodle-Toy, Pruritus, $270.69, claim paid on Wednesday, June 29, 2016
  • •    Poodle-Toy, Allergy (Allergic), $270.69, claim paid on Wednesday, June 29, 2016
  • •    Domestic Shorthair, Mast cell tumor, $342.87, claim paid on Wednesday, June 29, 2016
  • •    Miniature Long Haired Dachshund, Intervertebral disc disease, $671.40, claim paid on Wednesday, June 29, 2016
  • •    American Pitbull Terrier, Cranial cruciate ligament tear, $1,794.60, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Lipoma, $1,277.14, claim paid on Wednesday, June 29, 2016
  • •    Havanese, Foreign material ingestion(Ingestion of foreign material), $391.50, claim paid on Wednesday, June 29, 2016
  • •    Goldendoodle, Hindlimb deformity, $3,268.42, claim paid on Wednesday, June 29, 2016
  • •    Bichon Frise, Ulcerative keratitis, $595.80, claim paid on Wednesday, June 29, 2016
  • •    Domestic Shorthair, Lethargy, $3,160.01, claim paid on Wednesday, June 29, 2016
  • •    Domestic Shorthair, Anorexia, $3,160.01, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Ununited anconeal process, $612.00, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), fracture of coronoid process, $612.00, claim paid on Wednesday, June 29, 2016
  • •    American Pitbull Terrier, Intervertebral disc disease, $263.24, claim paid on Wednesday, June 29, 2016
  • •    American Pitbull Terrier, OM - Otitis media, $263.24, claim paid on Wednesday, June 29, 2016
  • •    American Pitbull Terrier, Hindlimb weakness, $263.24, claim paid on Wednesday, June 29, 2016
  • •    American Pitbull Terrier, Elevated liver enzymes, $263.24, claim paid on Wednesday, June 29, 2016
  • •    American Bulldog, Prolapse, $446.94, claim paid on Wednesday, June 29, 2016
  • •    Weimaraner, Cystic mass, $590.72, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), cluster seizure, $465.80, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), cluster seizure, $394.34, claim paid on Wednesday, June 29, 2016
  • •    Basenji, Weight decreased, $1,883.70, claim paid on Wednesday, June 29, 2016
  • •    Basenji, Gastroenteritis, $1,883.70, claim paid on Wednesday, June 29, 2016
  • •    Basenji, Malabsorption, $1,883.70, claim paid on Wednesday, June 29, 2016
  • •    Domestic Shorthair, Vomiting, $848.03, claim paid on Wednesday, June 29, 2016
  • •    German Shepherd, Gastric dilatation volvulus, $718.20, claim paid on Wednesday, June 29, 2016
  • •    Domestic Shorthair, Foreign material ingestion(Ingestion of foreign material), $848.03, claim paid on Wednesday, June 29, 2016
  • •    Beagle, Slab fracture, $534.15, claim paid on Wednesday, June 29, 2016
  • •    German Shepherd, Gastric dilatation volvulus, $2,341.42, claim paid on Wednesday, June 29, 2016
  • •    German Shepherd, Pneumonia, $666.90, claim paid on Wednesday, June 29, 2016
  • •    German Shepherd, Gastroenteritis, $666.90, claim paid on Wednesday, June 29, 2016
  • •    German Shepherd, Foreign material, $666.90, claim paid on Wednesday, June 29, 2016
  • •    Shar Pei, Shar-Pei fever, $841.41, claim paid on Wednesday, June 29, 2016
  • •    German Shepherd, Pneumonia, $582.30, claim paid on Wednesday, June 29, 2016
  • •    German Shepherd, Gastroenteritis, $582.30, claim paid on Wednesday, June 29, 2016
  • •    German Shepherd, Foreign material, $582.30, claim paid on Wednesday, June 29, 2016
  • •    Cavalier King Charles Spaniel, Pituitary mass, $2,137.95, claim paid on Wednesday, June 29, 2016
  • •    Cavalier King Charles Spaniel, Calcinosis cutis, $2,137.95, claim paid on Wednesday, June 29, 2016
  • •    Cavalier King Charles Spaniel, Cushing's disease, $2,137.95, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Trauma, $414.86, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Fall, $414.86, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), motor vehicle accident, $414.86, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Marijuana ingestion, $253.47, claim paid on Wednesday, June 29, 2016
  • •    Chinese Crested, Adenoma, $2,117.79, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Diarrhea, $648.63, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Lameness, $648.63, claim paid on Wednesday, June 29, 2016
  • •    Pekingese, Bladder stones, $3,274.36, claim paid on Wednesday, June 29, 2016
  • •    American Staffordshire Terrier, Meningitis, $715.88, claim paid on Wednesday, June 29, 2016
  • •    American Staffordshire Terrier, Cervical pain, $715.88, claim paid on Wednesday, June 29, 2016
  • •    Himalayan, Sneezing, $773.22, claim paid on Wednesday, June 29, 2016
  • •    Boxer, Pain, $565.47, claim paid on Wednesday, June 29, 2016
  • •    Puggle, Hemorrhagic gastroenteritis, $2,397.43, claim paid on Wednesday, June 29, 2016
  • •    Flat-Coated Retriever, Raisin toxicity, $970.20, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Hypothyroidism, $285.93, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Seizure, $285.93, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Anxiety, $285.93, claim paid on Wednesday, June 29, 2016
  • •    Domestic Shorthair, Diabetes, $271.63, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Cat), Kidney disease, $411.28, claim paid on Wednesday, June 29, 2016
  • •    Rhodesian Ridgeback, Allergic dermatitis, $593.07, claim paid on Wednesday, June 29, 2016
  • •    Rhodesian Ridgeback, Bacterial skin infection, $593.07, claim paid on Wednesday, June 29, 2016
  • •    Cavalier King Charles Spaniel, Plant intoxication, $820.95, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Fever, $1,716.51, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Diarrhea, $1,716.51, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Inappetence, $1,716.51, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Lethargic, $1,716.51, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), fractured canine tooth, $2,295.10, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Degeneration of heart, $1,939.46, claim paid on Wednesday, June 29, 2016
  • •    Shih Tzu, Mass(es), $647.10, claim paid on Wednesday, June 29, 2016
  • •    Manchester Terrier, Crystalluria, $289.17, claim paid on Wednesday, June 29, 2016
  • •    Manchester Terrier, Lameness, $289.17, claim paid on Wednesday, June 29, 2016
  • •    Maltese, Back pain, $507.65, claim paid on Wednesday, June 29, 2016
  • •    Maltese, IVDD Intervertebral disc disease (IVDD ), $507.65, claim paid on Wednesday, June 29, 2016
  • •    Schnauzer - Standard, Mass(es), $2,917.74, claim paid on Wednesday, June 29, 2016
  • •    Dachshund - Standard Smooth Haired, Rhinitis, $789.98, claim paid on Wednesday, June 29, 2016
  • •    Dachshund - Standard Smooth Haired, Slab fracture, $789.98, claim paid on Wednesday, June 29, 2016
  • •    Pug, Mass(es), $1,195.43, claim paid on Wednesday, June 29, 2016
  • •    Boerboel, Incontinence, $364.32, claim paid on Wednesday, June 29, 2016
  • •    Leonberger, Osteosarcoma of bone, $2,633.43, claim paid on Wednesday, June 29, 2016
  • •    Leonberger, Heat stroke, $2,633.43, claim paid on Wednesday, June 29, 2016
  • •    Boxer, Mass(es), $339.35, claim paid on Wednesday, June 29, 2016
  • •    Border Collie, Diaphragmatic hernia, $284.43, claim paid on Wednesday, June 29, 2016
  • •    Labrador Retriever (Yellow), Mass(es), $279.90, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Seizure, $253.80, claim paid on Wednesday, June 29, 2016
  • Mixed Breed (Dog), Mass(es), $1,117.62, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Dental disease, $1,117.62, claim paid on Wednesday, June 29, 2016
  • •    Miniature Smooth Haired Dachshund, Raisin toxicity, $1,419.20, claim paid on Wednesday, June 29, 2016
  • •    Miniature Smooth Haired Dachshund, Chocolate poisoning, $1,419.20, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Vomiting, $495.14, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Diarrhea, $495.14, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), FB ingestion, $495.14, claim paid on Wednesday, June 29, 2016
  • •    Domestic Shorthair, Jaundice, $3,315.18, claim paid on Wednesday, June 29, 2016
  • •    Domestic Shorthair, Liver disease, $3,315.18, claim paid on Wednesday, June 29, 2016
  • •    Labrador Retriever, Lethargy, $342.00, claim paid on Wednesday, June 29, 2016
  • •    Labrador Retriever, Diarrhea, $342.00, claim paid on Wednesday, June 29, 2016
  • •    Shih Tzu, Heart murmur, $414.00, claim paid on Wednesday, June 29, 2016
  • •    Shih Tzu, cardiac disease, $414.00, claim paid on Wednesday, June 29, 2016
  • •    Labrador Retriever, Lethargy, $599.60, claim paid on Wednesday, June 29, 2016
  • •    Labrador Retriever, Diarrhea, $599.60, claim paid on Wednesday, June 29, 2016
  • •    Labrador Retriever, Lethargy, $265.65, claim paid on Wednesday, June 29, 2016
  • •    Labrador Retriever, Diarrhea, $265.65, claim paid on Wednesday, June 29, 2016
  • •    Poodle-Toy, Pruritus, $270.69, claim paid on Wednesday, June 29, 2016
  • •    Poodle-Toy, Allergy (Allergic), $270.69, claim paid on Wednesday, June 29, 2016
  • •    Domestic Shorthair, Mast cell tumor, $342.87, claim paid on Wednesday, June 29, 2016
  • •    Miniature Long Haired Dachshund, Intervertebral disc disease, $671.40, claim paid on Wednesday, June 29, 2016
  • •    American Pitbull Terrier, Cranial cruciate ligament tear, $1,794.60, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Lipoma, $1,277.14, claim paid on Wednesday, June 29, 2016
  • •    Havanese, Foreign material ingestion(Ingestion of foreign material), $391.50, claim paid on Wednesday, June 29, 2016
  • •    Goldendoodle, Hindlimb deformity, $3,268.42, claim paid on Wednesday, June 29, 2016
  • •    Bichon Frise, Ulcerative keratitis, $595.80, claim paid on Wednesday, June 29, 2016
  • •    Domestic Shorthair, Lethargy, $3,160.01, claim paid on Wednesday, June 29, 2016
  • •    Domestic Shorthair, Anorexia, $3,160.01, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Ununited anconeal process, $612.00, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), fracture of coronoid process, $612.00, claim paid on Wednesday, June 29, 2016
  • •    American Pitbull Terrier, Intervertebral disc disease, $263.24, claim paid on Wednesday, June 29, 2016
  • •    American Pitbull Terrier, OM - Otitis media, $263.24, claim paid on Wednesday, June 29, 2016
  • •    American Pitbull Terrier, Hindlimb weakness, $263.24, claim paid on Wednesday, June 29, 2016
  • •    American Pitbull Terrier, Elevated liver enzymes, $263.24, claim paid on Wednesday, June 29, 2016
  • •    American Bulldog, Prolapse, $446.94, claim paid on Wednesday, June 29, 2016
  • •    Weimaraner, Cystic mass, $590.72, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), cluster seizure, $465.80, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), cluster seizure, $394.34, claim paid on Wednesday, June 29, 2016
  • •    Basenji, Weight decreased, $1,883.70, claim paid on Wednesday, June 29, 2016
  • •    Basenji, Gastroenteritis, $1,883.70, claim paid on Wednesday, June 29, 2016
  • •    Basenji, Malabsorption, $1,883.70, claim paid on Wednesday, June 29, 2016
  • •    Domestic Shorthair, Vomiting, $848.03, claim paid on Wednesday, June 29, 2016
  • •    German Shepherd, Gastric dilatation volvulus, $718.20, claim paid on Wednesday, June 29, 2016
  • •    Domestic Shorthair, Foreign material ingestion(Ingestion of foreign material), $848.03, claim paid on Wednesday, June 29, 2016
  • •    Beagle, Slab fracture, $534.15, claim paid on Wednesday, June 29, 2016
  • •    German Shepherd, Gastric dilatation volvulus, $2,341.42, claim paid on Wednesday, June 29, 2016
  • •    German Shepherd, Pneumonia, $666.90, claim paid on Wednesday, June 29, 2016
  • •    German Shepherd, Gastroenteritis, $666.90, claim paid on Wednesday, June 29, 2016
  • •    German Shepherd, Foreign material, $666.90, claim paid on Wednesday, June 29, 2016
  • •    Shar Pei, Shar-Pei fever, $841.41, claim paid on Wednesday, June 29, 2016
  • •    German Shepherd, Pneumonia, $582.30, claim paid on Wednesday, June 29, 2016
  • •    German Shepherd, Gastroenteritis, $582.30, claim paid on Wednesday, June 29, 2016
  • •    German Shepherd, Foreign material, $582.30, claim paid on Wednesday, June 29, 2016
  • •    Cavalier King Charles Spaniel, Pituitary mass, $2,137.95, claim paid on Wednesday, June 29, 2016
  • •    Cavalier King Charles Spaniel, Calcinosis cutis, $2,137.95, claim paid on Wednesday, June 29, 2016
  • •    Cavalier King Charles Spaniel, Cushing's disease, $2,137.95, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Trauma, $414.86, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Fall, $414.86, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), motor vehicle accident, $414.86, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Marijuana ingestion, $253.47, claim paid on Wednesday, June 29, 2016
  • •    Chinese Crested, Adenoma, $2,117.79, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Diarrhea, $648.63, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Lameness, $648.63, claim paid on Wednesday, June 29, 2016
  • •    Pekingese, Bladder stones, $3,274.36, claim paid on Wednesday, June 29, 2016
  • •    American Staffordshire Terrier, Meningitis, $715.88, claim paid on Wednesday, June 29, 2016
  • •    American Staffordshire Terrier, Cervical pain, $715.88, claim paid on Wednesday, June 29, 2016
  • •    Himalayan, Sneezing, $773.22, claim paid on Wednesday, June 29, 2016
  • •    Boxer, Pain, $565.47, claim paid on Wednesday, June 29, 2016
  • •    Puggle, Hemorrhagic gastroenteritis, $2,397.43, claim paid on Wednesday, June 29, 2016
  • •    Flat-Coated Retriever, Raisin toxicity, $970.20, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Hypothyroidism, $285.93, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Seizure, $285.93, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Anxiety, $285.93, claim paid on Wednesday, June 29, 2016
  • •    Domestic Shorthair, Diabetes, $271.63, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Cat), Kidney disease, $411.28, claim paid on Wednesday, June 29, 2016
  • •    Rhodesian Ridgeback, Allergic dermatitis, $593.07, claim paid on Wednesday, June 29, 2016
  • •    Rhodesian Ridgeback, Bacterial skin infection, $593.07, claim paid on Wednesday, June 29, 2016
  • •    Cavalier King Charles Spaniel, Plant intoxication, $820.95, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Fever, $1,716.51, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Diarrhea, $1,716.51, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Inappetence, $1,716.51, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Lethargic, $1,716.51, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), fractured canine tooth, $2,295.10, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Degeneration of heart, $1,939.46, claim paid on Wednesday, June 29, 2016
  • •    Shih Tzu, Mass(es), $647.10, claim paid on Wednesday, June 29, 2016
  • •    Manchester Terrier, Crystalluria, $289.17, claim paid on Wednesday, June 29, 2016
  • •    Manchester Terrier, Lameness, $289.17, claim paid on Wednesday, June 29, 2016
  • •    Maltese, Back pain, $507.65, claim paid on Wednesday, June 29, 2016
  • •    Maltese, IVDD Intervertebral disc disease (IVDD ), $507.65, claim paid on Wednesday, June 29, 2016
  • •    Schnauzer - Standard, Mass(es), $2,917.74, claim paid on Wednesday, June 29, 2016
  • •    Dachshund - Standard Smooth Haired, Rhinitis, $789.98, claim paid on Wednesday, June 29, 2016
  • •    Dachshund - Standard Smooth Haired, Slab fracture, $789.98, claim paid on Wednesday, June 29, 2016
  • •    Pug, Mass(es), $1,195.43, claim paid on Wednesday, June 29, 2016
  • •    Boerboel, Incontinence, $364.32, claim paid on Wednesday, June 29, 2016
  • •    Leonberger, Osteosarcoma of bone, $2,633.43, claim paid on Wednesday, June 29, 2016
  • •    Leonberger, Heat stroke, $2,633.43, claim paid on Wednesday, June 29, 2016
  • •    Boxer, Mass(es), $339.35, claim paid on Wednesday, June 29, 2016
  • •    Border Collie, Diaphragmatic hernia, $284.43, claim paid on Wednesday, June 29, 2016
  • •    Labrador Retriever (Yellow), Mass(es), $279.90, claim paid on Wednesday, June 29, 2016
  • •    Mixed Breed (Dog), Seizure, $253.80, claim paid on Wednesday, June 29, 2016
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