Underwritten by American Pet Insurance Company
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Dog Insurance Coverage

Simply put, we provide one simple plan that covers 90%* of your unexpected veterinary costs, including hospital stays, diagnostic tests, medications, surgeries and other treatments that arise when your canine friend is ill or injured. The 90% coverage kicks in after your deductible has been met, and there are no limits on the amount we reimburse.
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What is covered

Basically we cover almost every type of injury or illness so long as it is not considered pre-existing. We do not exclude any certain conditions or breed-specific ailments. We even cover hereditary and congenital conditions, provided signs were not evident before your policy coverage date.

Coverage begins after a waiting period of 5 days for injuries and 30 days for illnesses.

What is not covered

Trupanion does not cover the initial exam fee, any applicable taxes, wellness and preventative care (including flea treatments, dental cleanings and vaccinations). Like all pet insurance providers, we also do not cover pre-existing conditions. If your pet showed signs or symptoms of a condition prior to full policy coverage, then it is considered pre-existing and not eligible for coverage.

We encourage you to read through your dog insurance policy (or check out our sample policy) to ensure you understand what is and isn't covered.

Extra coverage

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

  • 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 has suffered an accident.

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

 3 Reasons to Choose Trupanion

  1. 90% Coverage

    We cover 90% of actual veterinary costs*

  2. No Payout Limits

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

  3. One Simple Plan

    One simple and comprehensive plan

Find out more

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