Underwritten by American Pet Insurance Company
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New policies: 855.591.3100 | Customer Care: 888.733.2685
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Dog Insurance Cost

Dogs are unique from their size to their energy level and tendencies, which is why our prices are unique to your dog's situation.

How is dog insurance pricing determined?

To determine the price of your individual dog, you can simply get a quote. You may be wondering how we came up with this price for your dog. Dog insurance costs vary based on several factors specific to your dog, including:

  1. Your dog's age at enrollment

  2. Breed

  3. Gender

  4. Where your dog lives

  5. Whether your dog has been spayed/neutered*

We consider each of these elements and then match them to the average dog’s veterinary costs to determine your dog's individual premium.

Trupanion lets you set your price by adjusting your deductible

Once you get a quote, you can choose your dog's monthly premium by selecting a deductible from $50 to $1,000 or no deductible at all. This gives you the flexibility to set a price that fits your budget. You might consider a low deductible for a puppy in its "getting into mischief" phase, and a high deductible for an adult dog whose habits are generally predictable. Plus, you can change your deductible at any time without penalty simply by giving us a call.

What will cause my premium to increase?

Over the life of your dog, you may see periodic adjustments to your dog's premium, which may be an increase, a decrease, or no change at all. Premium changes are due to the average cost of dogs similar to yours based on our claims experiences and inflation. You can learn more about our premium changes here.

What will not affect premiums?

Trupanion will never increase premiums based on the following reasons:

  • When your dog has a birthday

  • If your dog becomes sick or injured and you need to file a claim

We know that aging is a natural process and that you have no control whether your canine friend gets sick or injured, which is why we do not penalize policyholders with increased premiums.

*Terms and conditions apply. See the policy for details. Residents of WA, see the policy here. Residents of all other states and Puerto Rico, see the policy here

 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

Find out more


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