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 you meet your deductible, and there are no limits on the amount we reimburse.
A dog is examined by the 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.

Which veterinarian should you visit?
You can visit 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 through your dog insurance policy (or check out our sample policy) to make sure that you understand what is and isn't covered.

Extra coverage

Trupanion’s Pet Owner Assistance Package, available for an additional cost, helps provide financial protection against unforeseen events or circumstances caused by or associated with your pet. The Pet Owner Assistance Package helps 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 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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