We offer one simple pet insurance plan for your dog or cat. Because all Trupanion-insured pets enroll with the same pet insurance plan, you can be sure you are getting the best coverage we have to offer. Our comprehensive policy covers surgeries, diagnostic tests, medications, treatments and hospital stays if your pet gets sick or injured. We also reimburse from your actual veterinary bill so you don’t have to worry about a predetermined benefit schedule.
Depending on your specific budget and situation, you have the option to choose your own pet health insurance deductible, including the option for no deductible at all, or any amount from $50 to $1000. Custom-selecting your deductible allows you to determine a monthly premium that best suits your budget. It’s completely flexible and up to you.
Trupanion sets fair pet insurance premiums. Your cost is determined by the breed of your pet, their age at the time of enrollment, their gender, whether they are spayed or neutered, and the local costs of veterinary care in your area.* Rates will occasionally be adjusted to reflect the current cost of veterinary care in your region, but your pet’s premium will never increase due to your pet aging. That is, we will never raise your rates simply because your pet has a birthday. You will also never be penalized because you file claims. We don’t believe in penalizing unlucky pets. After all, unexpected accidents and illnesses are why you have pet medical insurance in the first place!