Thank you for visiting. You will find all our regulatory information on this page.
Our company information
Trupanion Managers USA, Inc.
6100 4th Ave South
Seattle, WA 98108
Endorsements featured on this site
We do not pay for endorsements. Endorsements that we use have been given willingly by our customers and supporters, for no material consideration.
In the United States, we are underwritten by:
American Pet Insurance Company
6100 4th Ave South
Seattle, WA 98108
In Canada, we are underwritten by:
Omega General Insurance Company
36 King Street East, Ste. 500
Toronto, ON M5C 1E5
Where Trupanion is licensed
Trupanion Managers USA, Inc. (Formerly Vetinsurance Managers, Inc.) is licensed in all 50 states, the District of Columbia and Puerto Rico. Products and discounts may not be available to all persons in all states.
AK – License #67821
AL – License #0440036
AZ – License #898682
AR – License #357277
CA – License #0G22803
CO – License #306244
CT – License #002299539
DE – License #1339609
DC – License #2883196
FL – License #P175229
GA – License #124214
HI – License #355166
ID – License #275256
IL – License #100305686
IN – License #662618
IA – License #1002034086
KS – License #383756263-000
KY – License #671232
LA – License #493493
ME – License #AGN204657
MD – License #NPF 99989791
MA – License #1888090
MI – License #0085946
MO – License #8025440
MN – License #40077808
MS – License #15017340
MT – License #717191
NE – License #0100185833
NV – License #640828
NH – License #2267181
NJ – License #1152629
NM – License #100007986
NY – License #PC-1079417
NC – License #0010036859
ND – License #0020295386
OH – License #37232
OK – License #10008708
OR – License #0100169523
PA – License #511210
PR – License #000062788
SC – License #171035
SD – License #10008501
TN – License #00004998
TX – License #1488662
UT – License #275939
VA – License #38-3756263
VT – License #119044
WA – License #718030
WY – License #208773
WI – License #2546086
WV – License #0100108178
Last Modified: December 14, 2015
The Website is offered and available to users who are 18 years of age or older, and reside in the United States (including its territories) or Canada. By using the Website, you represent and warrant that you are of legal age to form a binding contract with Trupanion and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.
Accessing the Website
Trupanion reserves the right to withdraw or amend the Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if, for any reason, all or any part of the Website is unavailable at any time for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.
In any way that violates any applicable federal, state, local, or international law or regulation including, without limitation, any laws regarding the export of data or software to and from the US or other countries;
to impersonate or attempt to impersonate Trupanion, a Trupanion employee, contractor or agent, another user, or any other person or entity including, without limitation, by using e-mail addresses (or user names) associated with any of the above mentioned; and/or
to engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm Trupanion or users of the Website or expose them to liability.
Additionally, you agree not to:
Use the Website in any manner that could disable, overburden, damage, or impair the Website or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website;
use any robot, spider, or other automatic device, process or means to access the Website for any purpose, including monitoring or copying any of the material on the Website;
use any device, software, or routine that interferes with the proper working of the Website;
introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful;
attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer or database connected to the Website; and/or
otherwise attempt to interfere with proper working of the Website.
Reliance on Information Posted
The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of the information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
The Website may include content provided by third parties, including materials provided by other users, bloggers and third-party licensors, syndicators, aggregators and/or reporting services. All statements and/or opinions expressed in any such materials, and all articles and responses to questions and other content, other than the content provided by Trupanion, are solely the opinions and the responsibility of the person or entity providing those materials. Any such materials do not necessarily reflect the opinion of Trupanion. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.
For some Online Activities, Trupanion may permit “Online Access,” including the ability to use a personal computer equipped with an active connection to an internet service provider to access your Trupanion accounts and policies, and to perform certain transactions as available (now or in the future, as applicable).
Payment Update Services
Our third-party billing service receives updated card account status including cancellation of the card account and changes to card number and/or expiration dates from the issuers of payment cards. We use this information to seamlessly continue your service in the event you have an update to your payment card. Payment cards issued by certain banks are not eligible for this service and members should check with their card issuers to determine eligibility for this service or to opt out of this service.
Linking to the Website and Social Media Features
You may link to Trupanion’s homepage, provided you do so in a way that is fair, in compliance with all applicable laws, rules and regulations, and does not damage our reputation; provided that you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.
You may use Website features solely as they are provided by us, and solely with respect to the content they are displayed with.
We may disable all or any Website features and any links at any time without notice, in our sole discretion.
Disclaimer of Warranty
The content and materials in the Website are provided “as is” and without representations or warranties of any kind, either express or implied. Trupanion expressly disclaims all warranties, express or implied, with respect to the Website including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Trupanion does not warrant or represent that the functions or operations of the Website will be uninterrupted or error-free, that defects will be corrected, or that the Website, its servers or any e-mail sent from Trupanion are free of viruses or other harmful components.
The information, products software or service descriptions published on the Website or a linked Website may include inaccuracies or typographical errors. Trupanion disclaims liability for such errors and does not warrant or represent that the content on the Website or a linked web Website is updated or complete. Trupanion has no obligation to update any content on the Website and may change or improve the Website at any time without notice.
The foregoing does not affect any warranties that cannot be excluded or limited under applicable law.
Limitation of Liability
Trupanion shall not be liable for any injury, loss, claim, or damage, nor any indirect, special incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, that arise out of (a) the use of, or inability to use, the Website or content found in the Website, or (b) unless resulting from the gross negligence or intentional actions of Trupanion, the unauthorized access to or alteration of your transmissions of data, even if Trupanion has been advised of the possibility of such damages.
The foregoing does not affect any liability that cannot be excluded or limited under applicable law.
Use of the Website shall be governed by and construed in accordance with the laws of the State of Washington without giving effect to any principles of conflicts of laws. Any dispute concerning the Website shall be subject to the exclusive venue of a court of competent jurisdiction in King County, Washington.
Trupanion makes no representation that all insurance products and services on the Website are appropriate or available for use in your jurisdiction. Some insurance products and services may not be available in all jurisdictions. If you choose to access the Website, you do so on your own initiative and are responsible for compliance with any applicable local, state, and federal laws, rules and regulations. The information contained on the Website is not an offer to sell or solicitation to buy, any insurance product, security, or service.
All communications initiated by you (also defined here as a “Visitor”) and made to or through any portions of the Website that permit uploading of questions, comments or other material are hereby considered “Visitor Submissions”.
Visitor Submissions become the property of Trupanion and you grant Trupanion a non-exclusive, royalty-free, perpetual, irrevocable, fully transferable, sub-licensable and assignable right to use, edit, modify, adapt, translate, edit, and reformat Visitor Submissions as appropriate and for any purpose, anywhere in the world, including into those forms that may constitute advertising and/or other marketing. If you submit a Visitor Submission, you are also granting to Trupanion the non-exclusive right to seek enjoinment and possible damages from any third party who otherwise uses Visitor Submissions in an unauthorized way or through unauthorized reproduction of any Visitor Submissions.
Visitor Submissions used, displayed or propagated by Trupanion or others licensed by Trupanion to use Visitor Submissions may be attributed to you unless you have expressly requested anonymity. Trupanion reserves the right to select among the Visitor Submissions for the most appropriate material to be used, subject to Trupanion’s sole discretion and judgment. Trupanion otherwise reserves the right to remove Visitor Submissions from the Website pursuant to its discretion and judgment, but maintains no obligation to do so.
Visitors also agree to not redistribute, or reproduce elsewhere, Visitor Submissions in any manner or in any media, including the re-submission or republishing of any Visitor Submission on any other site not affiliated with Trupanion.
Emails to Trupanion Addresses
The Trupanion email system is a private email system intended only for purposes authorized by Trupanion. You are not authorized to send numerous unsolicited commercial email messages to any email address ending in @Trupanion.com. Trupanion reserves the right to take actions as may be necessary to prevent misuse of its email system by unauthorized parties.
Trupanion SMS Reminders
Trupanion Terms and Conditions for 42054
The following terms and conditions shall apply to Trupanion SMS Reminders. By entering your mobile phone number, you acknowledge that you are participating in the Trupanion Reminders program, and that you have read and agreed to the terms and conditions set forth for this campaign. Msg & Data rates may apply. Trupanion Reminders will be sent no more than 1 time during any given month and are sent to opted in users only. Users may opt out by texting STOP TRUPANION to 42054. Available on participating carriers only. Trupanion works with the following carriers: Alltel, AT&T, Boost, Sprint, T-Mobile®, Verizon Wireless, Virgin Mobile USA and U.S. Cellular. T-Mobile® is not liable for delayed or undelivered messages.
You expressly understand and agree that your participation in the Trupanion Reminders campaign is solely at your own risk. The service is provided "as is" and "as available". We accept no responsibility and shall not be liable for any consequences that are alleged to have occurred through your use, or misuse, of the text message(s). For help, text HELP TRUPANION to 42054. To stop receiving alerts, text STOP TRUPANION to 42054. For questions, contact us at 888.733.2685.
If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. Trupanion will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, you should contact Trupanion. Trupanion will not be responsible if you do not properly secure your password or if you choose to share your password with anyone else. In order to protect your personal information, Trupanion encourages you to change your password every six months.
All quotes generated by the Website are estimates based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage and are subject to change at any time. Your quote may differ from your final premium amount due, for example, to the passage of time between the quote and your policy application or if the information you provide on your policy application differs from what was provided for the quote. Quotes are provided by American Pet Insurance Company (USA), which is wholly-owned by Trupanion, Inc., and by Omega General Insurance Company (Canada).
Any coverage descriptions provided on the Website are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to Trupanion. All applications are subject to underwriting approval. Coverages and availability may vary by state or province; and additional minimum coverage limits may be available in your state. For additional information, please contact a Trupanion agent.
Trupanion is committed to the principles of equal employment opportunity. Applications are considered for all positions without regard to race, sex, sexual orientation, ethnicity, religion, national origin, age, disability (so long as such disability can be reasonably accommodated), or any other status protected by applicable law. Trupanion encourages all qualified applicants to apply.
Waiver of Class Action Rights
IN ANY DISPUTE, NEITHER YOU NOR ANY OTHER PERSON SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS BY OR AGAINST OTHER AFFILIATES OR PERSONS, OR ARBITRATE ANY CLAIM AS A REPRESENTATIVE OR CLASS ACTION OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. YOU ACKNOWLEDGE THAT YOU ARE GIVING UP YOUR RIGHTS TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION WITH RESPECT TO ANY SUCH CLAIM.
Intellectual Property Rights
The Website and its entire contents, features, and functionality (including, but not limited to, all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by Trupanion, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
You may store files that are automatically cached by your Web browser temporarily for display enhancement purposes.
You may print (or download) one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication, or distribution.
If we provide social media features with certain content, you may take such actions as are enabled by such features.
You must not:
Modify copies of any materials from the Website.
Delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from the Website.
You must not access or use for any commercial purposes any part of the Website or any services or materials available through the Website.
Use of the term "member" or "membership" does not convey any eligibility, legal or ownership rights in Trupanion or any of its affiliates.