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We encourage you to research other pet insurance companies

At Trupanion, we strive to be upfront and honest about what our plan provides. We are a team of pet lovers who work with cats and dogs by our side, and we want all pets to receive the best insurance coverage possible.

Unfortunately, we don't think that every pet insurance company has what it takes to protect your four-legged family members. We offer 90% coverage of eligible conditions*, no payout limits, vet direct pay, and one simple plan that always provides the best coverage, because we know it will help your pet when it matters most. We stand out in the pet insurance industry, because we do what it takes to offer peace of mind to loving pet owners.

*Terms and conditions apply.  See the full policy for details



Trupanion provides more than traditional pet insurance

Our love for pets is the reason we offer insurance and why our policies are written with pets and pet owners in mind. We don't think that traditional pet insurance has what it takes to protect pets, so we differentiate ourselves by offering 'medical insurance for cats and dogs’ that puts pets first.

TRADITIONAL PET INSURANCE IS:

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Waiting to get reimbursed for a claim and having to pay the whole portion of your bill upfront.

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Sacrificing quality care for a cheaper monthly rate.

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Claim payouts restricted by insurance company defined rates, and payouts not based on your actual bill.

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Annual deductibles that keep you paying for the same condition over and over.

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Waiting and worrying about getting in touch with your insurance provider when you need them.

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Dropped coverage for filing too many claims or for asking for too high of a reimbursement amount.

BUT TRUPANION MEDICAL INSURANCE IS:

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Having your vet paid directly whenever possible so you aren't waiting around for reimbursement checks.

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One simple plan that provides quality coverage when your pet needs it most.

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Claims paid based on the actual cost of veterinary care, not what we think treatment should cost.

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A condition based, lifetime deductible that you only pay once per issue and all its complications.

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24/7 support from our award-winning customer care team.

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Never worrying about a canceled policy or increased rates just for filing claims.



Our policyholders notice the difference



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“I have tried many other pet insurance companies only to be disappointed. But that all changed after joining Trupanion. Trupanion is the only company I recommend. I am overjoyed to help other families skip the trial and error method of looking for the right pet insurance.”  - Shannon C.


“I have fought with numerous other insurance companies, but I never once had to fight with Trupanion. Don't take chances with unreliable companies. Trupanion was not only the best choice, it was the greatest choice we ever made.”  - Rebecca N.

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See for yourself how we stack up to other pet insurance companies


Take an in-depth look for more information: Trupanion vs. Petsecure  |  Trupanion vs. Pets Plus Us


Coverage Trupanion PC Financial 24PetWatch Petsecure Pets Plus Us OSPCA
Can pay the hospital directly within minutes at checkout without you needing to take any action
green-check-sm No No
No
No No
Doesn’t punish pet owners for filing claims by reducing coverage green-check-sm No  yes
No
 yes
 yes
Provides 90% coverage for treatments of injuries & illnesses green-check-sm No No
No
Depends upon the specific plan Depends upon the pet's age
Has no financial limits: Per year, per illness, or per pet green-check-sm No
No
Depends upon the specific plan No
Depends upon the specific plan
Covers approved surgeries, diagnostic tests, medications, & hospital stays green-check-sm
Depends upon the specific plan  yes
yes
Depends upon the specific plan yes
Covers prescription pet foods green-check-sm
yes
yes
No
yes
yes
Pays customer based on actual veterinarian bill green-check-sm
yes
yes
yes
yes
yes
Customer care available 24/7 green-check-sm No No
No
No No
Freedom to use any veterinarian at any hospital of your choice green-check-sm
yes
yes
yes
yes
yes
Allows customers to choose their own deductible amount (including a $0 deductible) green-check-sm
No
No
No
No
No

These comparisons are based on written documentation from each of the above companies’ public-facing websites and Policy Wordings as of October 6, 2016.


Convinced that Trupanion's pet medical insurance is what's best for your pet? 

We encourage you to research other pet insurance companies

At Trupanion, we strive to be upfront and honest about what our plan provides. We are a team of pet lovers who work with cats and dogs by our side, and we want all pets to receive the best insurance coverage possible.

Unfortunately, we don't think that every pet insurance company has what it takes to protect your four-legged family members.



Trupanion provides more than traditional pet insurance

Our love for pets is the reason we offer insurance and why our policies are written with pets and pet owners in mind. We don't think that traditional pet insurance has what it takes to protect pets, so we differentiate ourselves by offering 'medical insurance for cats and dogs’ that puts pets first.

TRADITIONAL PET INSURANCE IS:

  • Waiting to get reimbursed for a claim and having to pay the whole portion of your bill upfront.
  • Sacrificing quality care fora cheaper monthly rate.
  • Annual deductibles that keep you paying for the same condition over and over.
  • Waiting and worrying about getting in touch with your insurance provider when you need them.
  • Dropped coverage for filing too many claims.

BUT TRUPANION IS:

  • Having your vet paid directly whenever possible so you aren't waiting around for reimbursement checks.
  • One simple plan that provides quality coverage when your pet needs it most.
  • A condition based, lifetime deductible that you only pay once per issue and all its complications.
  • 24/7 support from our award-winning customer care team.
  • Never worrying about a canceled policy or increased rates just for filing claims.



Our policyholders notice the difference

“I have fought with numerous other insurance companies, but I never once had to fight with Trupanion. Don't take chances with unreliable companies. Trupanion was not only the best choice, it was the greatest choice we ever made.”  - Rebecca N.


See for yourself how we stack up to other pet insurance companies


Take an in-depth look for more information: Trupanion vs. Petsecure  |  Trupanion vs. Pets Plus Us


Coverage Trupanion PC Financial 24PetWatch Petsecure Pets Plus Us OSPCA
Can pay the hospital directly, so you’re not out of pocket for the entire bill green-check-sm No No
No
No No
Doesn’t punish pet owners for filing claims by reducing coverage green-check-sm No  yes
No
 yes
 yes
Let’s a pet be a pet — covering injuries sustained from normal activities like running, jumping, and playing green-check-sm  yes
 yes
Depends upon the specific plan  yes
 yes
Provides 90% coverage for treatments of injuries & illnesses green-check-sm No No
No
Depends upon the specific plan Depends upon the pet's age
Has no financial limits: Per year, per illness, or per pet green-check-sm No
No
Depends upon the specific plan No
Depends upon the specific plan
Covers approved surgeries, diagnostic tests, medications, & hospital stays green-check-sm
Depends upon the specific plan  yes
yes
Depends upon the specific plan yes
Covers prescription pet foods and dietary supplements green-check-sm
yes
yes
No
yes
yes
Pays customer based on actual veterinarian bill green-check-sm
yes
yes
yes
yes
yes
Customer care available 24/7 green-check-sm No No
No
No No
Freedom to use any veterinarian at any hospital of your choice green-check-sm
yes
yes
yes
yes
yes
Allows customers to choose their own deductible amount (including a $0 deductible) green-check-sm
No
No
No
No
No

These comparisons are based on written documentation from each of the above companies’ public-facing websites and Policy Wordings as of October 6, 2016.



Convinced that Trupanion's pet medical insurance is what's best for your pet? 

We encourage you to research other pet insurance companies

At Trupanion, we strive to be upfront and honest about what our plan provides. We are a team of pet lovers who work with cats and dogs by our side, and we want all pets to receive the best insurance coverage possible.

Unfortunately, we don't think that every pet insurance company has what it takes to protect your four-legged family members. We offer 90% coverage of eligible conditions*, no payout limits, vet direct pay, and one simple plan that always provides the best coverage, because we know it will help your pet when it matters most. We stand out in the pet insurance industry, because we do what it takes to offer peace of mind to loving pet owners.

*Terms and conditions apply.  See the full policy for details



Our policyholders notice that we're different


“I have tried many other pet insurance companies only to be disappointed. But that all changed after joining Trupanion. Trupanion is the only company I recommend. I am overjoyed to help other families skip the trial and error method of looking for the right pet insurance.”  - Shannon C.


“I have fought with numerous other insurance companies, but I never once had to fight with Trupanion. Don't take chances with unreliable companies. Trupanion was not only the best choice, it was the greatest choice we ever made.”  - Rebecca N.




See for yourself how we stack up to other pet insurance companies

Take an in-depth look for more information: Trupanion vs. Petsecure  |  Trupanion vs. Pets Plus Us


Coverage Trupanion PC Financial 24PetWatch Petsecure Pets Plus Us OSPCA
Can pay the hospital directly, so you’re not out of pocket for the entire bill green-check-sm No No
No
No No
Doesn’t punish pet owners for filing claims by reducing coverage green-check-sm No  yes
No
 yes
 yes
Let’s a pet be a pet — covering injuries sustained from normal activities like running, jumping, and playing green-check-sm  yes
 yes
Depends upon the specific plan  yes
 yes
Provides 90% coverage for treatments of injuries & illnesses green-check-sm No No
No
Depends upon the specific plan Depends upon the pet's age
Has no financial limits: Per year, per illness, or per pet green-check-sm No
No
Depends upon the specific plan No
Depends upon the specific plan
Covers approved surgeries, diagnostic tests, medications, & hospital stays green-check-sm
Depends upon the specific plan  yes
yes
Depends upon the specific plan yes
Covers prescription pet foods and dietary supplements green-check-sm
yes
yes
No
yes
yes
Pays customer based on actual veterinarian bill green-check-sm
yes
yes
yes
yes
yes
Customer care available 24/7 green-check-sm No No
No
No No
Freedom to use any veterinarian at any hospital of your choice green-check-sm
yes
yes
yes
yes
yes
Allows customers to choose their own deductible amount (including a $0 deductible) green-check-sm
No
No
No
No
No

These comparisons are based on written documentation from each of the above companies’ public-facing websites and Policy Wordings as of October 6, 2016.


Convinced that Trupanion's pet medical insurance is what's best for your pet? 

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