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.

Avoid pre-existing conditions

Though we offer just one simple insurance plan for all dogs and puppies, we wanted to take a moment to explain the benefits of enrolling your puppy at a young age. Purchasing puppy health insurance now helps protect your dog in case of accidents, and as you know, puppies tend to be unpredictable in their youth. By enrolling your dog now, you can limit the probability that any medical condition is considered “pre-existing."


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 a lot of trouble. As your puppy matures and develops more predictable behaviour, you can increase your deductible at any time (which means a lower monthly premium) by simply giving us a call.

Breeding dogs

If your puppy has breeding in his or her future, you can enroll them as a breeding pet for full coverage of any conditions that can happen as a result of reproduction.

As long as your dog enrolls before their 14th birthday, they can receive coverage for the rest of its life.

Common puppy ailments

As your adorable new puppy settles into your home, the last thing you 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, such as:

  1. Canine parvovirus (also known as parvo) – an infection that can be fatal without the correct veterinary attention. It's spread through fecal matter, and symptoms include diarrhea, loss of appetite and sickness. Find out more about parvo in our guide for new owners.
  2. Canine distemper virus (distemper) – a very contagious viral illness that can affect dogs under the age of one. Initial symptoms can include sneezing, coughing and runny eyes and if suspected, seek immediate veterinary attention. Discover more about hidden diseases.
  3. Ear mites – not only are puppies susceptible to fleas and ticks, but those with a weakened immune system are also prone to issues such as ear mites. If your puppy keeps scratching their ears or shaking their head, 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 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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