Black and white dog on sidewalk with person in backgroundBlack and white dog on sidewalk with person in backgroundBlack and white dog on sidewalk with person in background

Both of you can finally relax

Protect the one you love with lifelong coverage

Protect your pet with our simple and reliable plan

90% Coverage Icon

UNMATCHED COVERAGE

All eligible claims are covered at 90% with no restrictions on hereditary or congenital issues

No Payout Limits Icon

UNLIMITED PAYOUTS

No limits or caps on how much the policy will pay out on eligible claims — ever

No Birthday Pricing Icon

WE PRICE FAIRLY

Your pet will always be priced at the age at which they enrolled, and we don't raise rates because you file claims

We love informed decisions. See our policy for full coverage details.

Your bill can be paid before you leave the veterinarian

Only Trupanion has the technology to pay your veterinarian directly in minutes at checkout.
Vet direct pay process graphic
The Trupanion policy will work in every veterinary practice across North America. Even if direct pay isn’t available yet at your regular hospital, you still get our same great coverage and easy claims process.

You get more with a Trupanion policy

Other providers offer

Trupanion

Cheap coverage

This may be appealing at first glance, but what happens after one year with the policy?

  • Price can skyrocket year after year
  • No coverage for the things most likely to happen to your pet — hereditary and congenital conditions
  • Previously covered conditions may now be pre-existing

Mid-range coverage

Some of the concerns with cheap coverage are gone. But what happens when your pet gets older?

  • Your rates may automatically increase just because your pet has a birthday
  • There may be caps or limits on how much they can pay out in claims

High-quality coverage

At Trupanion, we want to be by your pet's side for their entire life. That means...

  • Coverage for hereditary and congenital conditions
  • No caps or limits on the amount we pay out
  • No automatic rate increases just because your pet celebrates a birthday

We love informed decisions. Check out our full policy for complete coverage details.

Know exactly what your policy will cover

Our pets are our family, and we want to give them the same love, comfort and medical care that all members of the family receive.

With the Trupanion policy, you're covered for

Checkmark Icon

All illnesses and injuries,
such as:

  • Bite wounds
  • Foreign body ingestion
  • Patela luxation
  • Allergies
  • Kidney disease
  • Upper respiratory infections
  • Urinary obstructions
Checkmark Icon

All conditions your breed may be prone to (hereditary and congenital) such as:

  • Cherry eye
  • Diabetes
  • Hip dysplasia
  • Thyroid disease
  • Cancer
  • Heart disease
Checkmark Icon

Other miscellaneous items:

  • Diagnostic tests
  • Surgeries
  • Hospital stays
  • Medications
  • Veterinary supplements
  • Herbal therapy
  • Prosthetic devices and carts

What about wellness care and exam fees?

We have made a deliberate choice not to cover wellness care or exam fees.

Trupanion was founded to help pets get the emergency care they need. We don’t believe insurance is for those routine costs that you can budget for.

Important note: No insurance provider offers coverage for pre-existing conditions. If we aren’t quite sure if something is pre-existing, our veterinary professionals work side-by-side with your veterinarian to review medical records.

Get 24/7 protection for you and your pet

Just like our policy is here for your pet 24/7, our award-winning member experience team is always here for you. A quick phone call could save you thousands of dollars and give you what matters most – more years with your pet.

Getting a quote is fast, easy, and low pressure. Call now: 877.401.0972