Pet Medical Insurance
When your pet is sick or injured, do you feel free to tell your veterinarian to do whatever it takes to save your pet, no matter what it costs? Our goal is to help you say that.
It’s hard enough to deal with your pet’s urgent health situation — your cat’s face is swollen, your puppy ate a candle, your dog was hit by a car — without having to worry about how much the trip to the veterinarian will cost.
We reimburse 90% of all covered costs*
After you pay the exam fee, any applicable taxes, and you chosen optional deductible amount, we pick up 90% of the cost of veterinary care to treat your cat or dog when they're sick or injured. We are confident that this high payout rate can help you afford emergency bills and leave you to choose the best care option for your pet.
We cover diagnostic tests, surgeries, medications, treatments, hospitalizations, and so much more. If your pet needs orthotic or prosthetic devices, we cover those too. Check out our sample policy to find out more on what our pet insurance policy offers.
Your premium is tailored to your pet
To individually price the premium for your pet, we factor in what we already know about dogs or cats like yours with the cost of veterinary care in your area.
Over our 16 years of experience, we examined hundreds of thousands of dog and cat health records. We analyzed individual breed health issues, common injuries, the type of veterinary care individual breeds typically need, and much more. See Actual Claims and Veterinary Costs for some examples.
And because the cost of veterinary care varies from city to town, and province to province, we also monitor whether it costs more to treat pets like yours in Quebec or British Columbia, in Edmonton or Ottawa. With all of this information at our fingertips, we can fairly price pet insurance premiums that suit your situation.
You choose your deductible amount
When you get a premium quote from us, you can pick the deductible you want to pay — anywhere from $0 to $1,000. The lower your deductible, the higher your premiums will be. So if you want to pay less per month, select a higher deductible.
We enroll pets between 8 weeks and up to 14 years old
While pets must enroll before their 14th birthday, once they enroll, they can receive lifelong coverage.
No payout limits
You can file claims with us whenever your pet needs injury or illness-related veterinary care and not worry about hitting a payout cap. We know you want to get them back to health, and we’re here to help you do that, no matter how many times you need to or how much it costs.
"My sweet Golden Retriever/Newfoundland Ruby was diagnosed with advanced hip dysplasia at only 6 months old! She had to have multiple surgeries, but lives a happy, albeit slow life. She is my absolute joy, and I owe my continued time with her to Trupanion."
Jennifer J., Vancouver, B.C.
"When I noticed our Mackerel Tabby kitten wasn’t eating and that he looked uncomfortable, we took him straight to the 24 C.A.R.E. Centre. They recommended either an x-ray or ultrasound. Knowing we had insurance brought us great peace of mind — we opted for the ultrasound knowing that 90% of the cost would be covered. The veterinarian found a blockage and performed surgery to remove the foreign object. Thank you Trupanion for being there — knowing we have pet insurance takes the worry away."
Susan B., Calgary, AL