What is dog insurance?

When your dog gets sick or hurt, the last thing you want to think about is how much the veterinary care will cost. The best dog health insurance helps protect you from that financial burden and makes sure you can focus on getting the best care possible. Whether your dog encounters a minor incident, like an unfortunate meeting with a porcupine or a stumble down the stairs, or develops a serious medical condition like hip dysplasia or cancer, the Trupanion policy is there to cover 90% of all eligible healthcare expenses.

In a world of advanced veterinary care, the best coverage gives you the financial ability to care for your family member, and we can do that.

How does dog insurance work?

Dog health insurance is simple with Trupanion. You pay a monthly premium in order to be covered for any unexpected illnesses or injuries throughout your dog’s life.

If your dog is under the weather take them to any veterinarian, specialty center, or emergency hospital in the US, Canada, or Puerto Rico and get them the treatment they need.

Rest assured knowing Trupanion has your back. When you file a claim, we’ll cover 90% of eligible healthcare expenses for your dog. You are responsible for any non-eligible expenses, your deductible, and the remaining 10%.

When it comes to the unexpected, we’ll be there for life. You’re only responsible for the routine and preventive care—the costs you expect to pay as a dog owner.

The Trupanion policy has no payout limits per condition, per year, or for the lifetime of your dog. If you have an unlucky dog that has a lifetime of serious health conditions or ongoing care, you will never see a cap on how much we pay for your claims.

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What does dog medical insurance cover?

Simply put, we provide one simple plan that covers 90% of your unexpected veterinary costs. This includes hospital stays, diagnostic tests, medications, surgeries, and other treatments that arise when your canine friend is sick or hurt.* The 90% coverage kicks in after you meet your deductible, and there are no limits on the amount we reimburse.

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 enrollment date. That means if your dog pulls a muscle, develops allergies, or is diagnosed with hip dysplasia or lymphoma, we’ll be there. Tears a CCL? We’ll cover it. Arthritis? We’ve got it covered. Eats chocolate? We’ve covered it before and we’ll do it again. Hit by a car? We’re there for you.

What's covered


  • Illnesses & injuries
  • Hereditary & congenital conditions
  • 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.


What's not covered


  • Exam fees
  • Sales tax where applicable
  • Wellness & preventive care
  • Pre-existing conditions (an illness or condition which occurred or showed symptoms prior to your pet's coverage effective date)

Extra coverage

The Trupanion policy also offers optional packages for additional coverage that may fit your lifestyle. These packages can protect you from other unforeseen events or circumstances related to your dog , provide extra coverage for alternative and rehabilitative therapies , and add extra protection for breeding dogs . They come at an additional cost.

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How much does dog insurance cost?

Each dog is unique, from their size to their energy level and tendencies, which is why our prices are unique to your dog's situation. The cost of dog insurance varies based on several factors specific to your dog, including:


You can see your personalized price now with a quick quote for your dog.

You can customize your monthly price by changing your deductible

Once you get a quote, choose your dog's monthly premium by selecting a deductible from $0 to $1,000. This is the amount you’ll be responsible for before your coverage starts. This gives you the flexibility to set a monthly premium that fits your budget. Plus, you can change your deductible at any time simply by giving us a call.

What might cause my premium to change?

Over the life of your dog, you may see periodic adjustments to your dog's premium, which may be an increase, a decrease, or no change at all. Premium changes are due to the average cost of dogs similar to yours based on our claims experiences and inflation.

You will never see an automatic increase to your premium as a result of filing a claim. We know that you have no control over whether your canine friend gets sick or injured, which is why we don't penalize a policyholder with increased premiums solely because their dog filed a claim

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When should I get health insurance for my dog?

The best time to think about insurance for your dog is when they are a puppy or young adult. Every dog is prone to certain types of illnesses and injuries in each stage of life so it’s important to be prepared every step of the way.

lite-bulbTIP: No dog insurance provider offers coverage for pre-existing conditions. By insuring your dog when they are young or when you first bring them home, you can get them covered before you find any signs of pre-existing conditions and get the most out of your Trupanion policy.

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Why should I choose Trupanion?

The Trupanion policy can help protect your dog and your finances.

We know the choice of selecting a provider can be daunting, but there are a number of reasons why the Trupanion policy is a great choice for your dog.


The Trupanion dog insurance policy picks up 90% of eligible veterinary costs, including hospital stays, diagnostic tests, medications, surgeries, and other treatments when your pup is ill or injured.


Looking to save a few bones? Pick a deductible that works for your family budget. Anywhere from $0 to $1,000, you’ll still be covered at 90% after it’s met.


65% of claims are settled the day we receive them—and 80% within 7 days.


Whether you visit your current 
veterinarian or a specialty hospital, the Trupanion policy has you covered at any veterinary practice in the United States, Canada, or Puerto Rico, and in many cases, can pay claims directly to the hospital.


If your dog needs care, we won't impose payout limits. We'll never cut off care or raise rates just because your dog is unlucky or develops a chronic condition.


We're here to help 24/7. Enroll today and see why almost 99% of our policyholders stay with us every month.

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All it takes to get started is to:

*Terms and conditions apply. See the policy for details.


Our dog insurance helps reimburse pet owners for unexpected injuries and illnesses their pets may develop, even hereditary and congenital diseases.

You pay for your pet’s routine and preventative care – the costs you can expect to pay as a dog owner.

We have one simple plan for every pet that reimburses 90%* of eligible expenses with no payout limits.

You’re fully covered after a waiting period of 5 days for injuries and 30 days for illnesses. (These waiting periods may be waived when activating a certificate.)

We could even pay your veterinarian directly so you aren’t waiting for a reimbursement check.

*Terms and conditions apply. See the full policy for details.

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We leave the expected payments to you so we can provide top coverage when you need it most.

How Trupanion dog insurance works

If your dog is sick, take them to any veterinarian, specialty center, or emergency hospital in the US, Canada, or Puerto Rico.

We can pay participating veterinarians directly or you can submit your claim online.

We reimburse 90%* of eligible expenses, no matter how high the cost. You are responsible for the non-eligible expenses, your deductible, tax, and the remaining 10%.

Our award-winning customer support team is standing by 24/7 just in case you have any questions or concerns.

*Terms and conditions apply. See the full policy for details.

How much Trupanion dog insurance costs

The price is different for every dog and depends on factors such as your dog’s age, breed, gender, and the cost of veterinary care in your area.

You can choose how much you pay each month by selecting a deductible ranging from $0 to $1,000. Your price is flexible and you can easily change it at any time.

Money Back Guarantee Icon

If for any reason you want to cancel your coverage, just let us know within the first 30 days for a full refund.

*Money back guarantee. Not available if you have filed an eligible claim or live in New York.

What makes Trupanion dog insurance special

Vet Direct Pay. We can pay your pet’s eligible veterinary bills directly to participating hospitals. All you have to do is pay your portion of the bill at checkout.

No birthday pricing. We price for life at enrollment and don’t automatically increase your pet’s rate as they get older.

We don’t punish unlucky pets. We don’t punish you for using your insurance. We will never raise your rate just because your pet gets sick or injured.

Loved by veterinarians. Veterinarians around the country recommend Trupanion, because they know that we care passionately about pets and that our policy has what it takes to serve cats, dogs, and you.

Call us 24/7 to learn more

Our staff is comprised of veterinarians, veterinary technicians, and doting pet owners who would love to hear from you.

Thank you for visiting Trupanion.


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