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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.

Testimonials**

Ruby

Ruby

"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. 

Barney

Barney

"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 

 


* Terms and conditions apply. See our policy for details

Bella
"The x-rays, surgeries, medications and check-up visits to our veterinarian totaled over $10,000 and Trupanion paid 90%. Without Trupanion, we don’t know how we would have paid for Bella's treatment..." Thanks to Trupanion for all they are doing for Bella. "The x-rays, surgeries, medications and check-up visits to our veterinarian totaled over $10,000 and Trupanion paid 90%. Without Trupanion, we don’t know how we would have paid for Bella's treatment... Thanks to Trupanion for all they are doing for Bella."
- Lynda S.
Condition: Dislocating kneecaps
Trupanion Paid: $2,499.84
cheech-testimonial-circle
"Trupanion has saved Cheech’s life. We've already spent over $25,000 and are nowhere close to being finished with treatments or medications. Trupanion has been there every step of the way. Cheech is not a pet to me, he's like a child, and Trupanion has helped me keep him here longer than he would have been. For that I am forever grateful for the help, love, and support. Thank you, Trupanion, ..." Read More "Trupanion has saved Cheech’s life. We've already spent over $25,000 and are nowhere close to being finished with treatments or medications. Trupanion has been there every step of the way. Cheech is not a pet to me, he's like a child, and Trupanion has helped me keep him here longer than he would have been. For that I am forever grateful for the help, love, and support. Thank you, Trupanion, for saving my boy."
- Ary, Brentwood, CA
Condition: Valley Fever
Trupanion Paid: $27,429.85
chief-testimonial-circle
"Our regular vet recommended we look into Trupanion. He told us that Trupanion was the best company he'd worked with. This sentiment was echoed at each step of Chief’s journey. They've been wonderful. We've had over $40,000 in bills so far, and Trupanion has happily paid 90% as promised. Needless to say, we highly recommend Trupanion to any pet owner. Their dedication has been just as..." Read More "Our regular vet recommended we look into Trupanion. He told us that Trupanion was the best company he'd worked with. This sentiment was echoed at each step of Chief’s journey. They've been wonderful. We've had over $40,000 in bills so far, and Trupanion has happily paid 90% as promised. Needless to say, we highly recommend Trupanion to any pet owner. Their dedication has been just as critical to Chief’s survival as the skill of his vets."
- Kent & Amanda M., Navato, CA
Condition: Respiratory arrest and paralysis
Trupanion Paid: $39,308.40
neville-testimonial-circle
"Knowing that Neville was covered by Trupanion left no doubt in my mind that we could move ahead with his medical care and allowed me to focus on his recovery. Every night when Neville climbs under the covers with me and snuggles up, I think of how grateful I am for the gift Trupanion gave us and the gift of life that they gave to Neville. "Knowing that Neville was covered by Trupanion left no doubt in my mind that we could move ahead with his medical care and allowed me to focus on his recovery. Every night when Neville climbs under the covers with me and snuggles up, I think of how grateful I am for the gift Trupanion gave us and the gift of life that they gave to Neville."
- Kristyn K., Livermore, CA
Condition: Urinary blockage
Trupanion Paid: $7,328.07
"The staff at Coral Springs Medical Center combined with the coverage, efficiency, and compassion of Trupanion made Cupcake’s recovery possible. The charges for his hospital stay and continuing medical care are astronomical, there is no way I could have afforded to give him the care he needed to save his life if he was not a Trupanion kitty. "The staff at Coral Springs Medical Center combined with the coverage, efficiency, and compassion of Trupanion made Cupcake’s recovery possible. The charges for his hospital stay and continuing medical care are astronomical, there is no way I could have afforded to give him the care he needed to save his life if he was not a Trupanion kitty."
- Jennifer S.
Condition: Blood disorder, spontaneous bleeding from the ear
Trupanion Paid: $4,117.72
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