We offer one simple pet insurance plan for your dog or cat. Because all Trupanion-insured pets enroll with the same pet insurance plan, you know that you're getting the best coverage we have to offer. Our comprehensive policy covers surgeries, diagnostic tests, medications, treatments, and hospital stays if your pet gets sick or injured. We also reimburse from your actual veterinary bill, so you don’t have to worry about a predetermined benefit schedule.
You have the option to choose your own pet health insurance deductible, including the option for no deductible at all, or any amount from $50 to $1,000. Custom selecting your deductible helps you choose a monthly premium that best suits your budget — it’s completely flexible and up to you.
Trupanion sets fair pet insurance premiums. Your cost is determined by the breed of your pet, their age, their gender, and the local costs of veterinary care in your area.* Rates are occasionally adjusted to reflect the current cost of veterinary care in your region, but your pet’s premium will never increase due to filing claims. We don’t believe in penalizing unlucky pets. After all, unexpected injuries and illnesses are why you have pet medical insurance in the first place!