Puppy Insurance

Congratulations on your new addition! Now is the best time to think about insurance, and we’re so pleased you’re planning ahead. Puppies are curious creatures and you might be surprised at how many visits to the veterinarian you make with a young dog.
white french bulldog puppy

Avoid pre-existing conditions

Though pet insurance is important for dogs of all ages, there are definitely benefits to enrolling your puppy at a young age. Purchasing puppy health insurance now helps protect your dog in case of accidents. Puppies tend to be unpredictable in their youth. By enrolling your dog now, you can limit the likelihood of medical conditions being “pre-existing” and ineligible for coverage.

As long as your dog is enrolled before his or her 14th birthday, we offer lifetime coverage — even if your dog lives to be 29 years old.


Because you have a young, unpredictable puppy, we recommend starting out with a low-deductible pet insurance policy. This can come in handy if your puppy gets into lots of trouble. As your puppy becomes more mature and predictable in its behavior, you can change your deductible at any time (which means a lower monthly premium) simply by giving us a call.

Breeding dogs

If your puppy has breeding in their future, you can enroll them as a "breeding pet" for full coverage related to any conditions that may occur as a result of reproduction.

Common puppy ailments

As your adorable new puppy settles into your home, the last thing you will want is for him or her to contract an illness or disease. Sadly, their inquisitive natures and developing immune systems can make them susceptible to certain ailments, in particular these can include:

  1. Canine parvovirus (also known as Parvo) - an infection which can prove fatal without the correct veterinary attention. It is spread through faecal matter with symptoms including diarrhea, loss of appetite and sickness. Find out more about Parvo in our guide for new owners.
  2. Canine distemper virus (distemper) is a very contagious viral illness which can affect canines under the age of one. Initial symptoms can include sneezing, coughing and runny eyes and if suspected, immediate veterinary care should be sought. Discover more about hidden diseases.
  3. Ear mites – not only are puppies susceptible to fleas and ticks but those with a weakened immune system might also be prone to issues such as ear mites. If your puppy keeps scratching its ears or is constantly head shaking then it’s likely that these pesky parasites are causing great discomfort, not to mention the potential for infection. Find out how to manage ear mites and other illnesses.

Sample claims


Lola, 7 months old

Diagnosis: Bufo toad toxicity

Trupanion paid: $1,264.84


Apollo, 1 year old

Diagnosis: Swallowed peach pit

Trupanion paid: $1,467.11

*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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