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?

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

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 - If your pet shows 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 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 our policy for details

Trupanion Provides Peace of Mind

  1. One Simple Plan

    To get comprehensive coverage without complexity.

  2. 90% Coverage

    To ease your financial commitment in a time of worry.

  3. No Payout Limits

    To get your pet the best care, whatever the cost.

  4. Vet Direct Pay

    So you don't wait for reimbursement checks.


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