Cat Coverage

Trupanion provides one simple plan with no payout limits for your cat. Our pet insurance policy covers unexpected veterinary costs, including diagnostic tests, surgeries, medications, hospital stays, and other treatments that arise when your feline friend is sick or injured. We cover 90% of eligible costs with no payout limits after you meet your deductible.*
A cat is examined by a vet

What is covered?

All new injuries and illnesses are eligible for coverage. We do not exclude any conditions or breed-specific ailments. We even cover hereditary and congenital conditions, as long as symptoms weren't present before your coverage started.

For eligible conditions, coverage includes:

  • Diagnostic tests
  • Surgeries
  • Hospital stays
  • Medications
  • Veterinary supplements
  • Prosthetic devices
  • Carts

Waiting periods
Coverage is applicable to new injuries or illnesses that occur after waiting periods pass. Waiting periods are 5 days for injuries and 30 days for illnesses.

Take your cat to any veterinarian
You can take your cat to any veterinarian throughout the US, Canada, and Puerto Rico, including emergency hospitals and specialty veterinarians. Coverage applies just the same! 

What is not covered?

  • Exam fees
  • Any applicable taxes
  • Wellness and preventive care (including flea treatments, dental cleanings, and vaccinations)
  • Pre-existing conditions:
    • Illnesses or injuries for which signs or evidence of their potential manifestation existed within the 18 months prior to the policy enrollment date.
    • Illnesses or injuries masked or controlled by treatment or medication at any time during the 18 months prior to the policy enrollment date.  

We encourage you to read over your cat insurance policy (or check out our sample policy) to make sure you fully understand what is and isn't covered.

Extra coverage

Trupanion’s Pet Owner Assistance Package1 helps provide financial protection against unforeseen events or circumstances caused by or associated with your cat. The Pet Owner Assistance Package is designed to help protect renters, travelers, or those who may have medical issues themselves. It includes coverage for:

  • Third-party property damage caused by your pet

  • Trip cancellation costs due to a sick or injured pet

  • Boarding fees if you are ever hospitalized

  • Advertising and reward costs for a lost pet

  • Cremation or burial costs for a pet who suffers an accident

1. Available for an additional cost.

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

 3 Reasons to Choose Trupanion

  1. One Simple Plan

    One simple and comprehensive plan

  2. 90% Coverage

    We cover 90% of actual veterinary costs*

  3. No Payout Limits

    No dollar limits on the cost of care if your pet becomes sick or injured


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