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Trupanion certificate FAQs

If your pet is unexpectedly sick, get them the treatment they need. Take them to any veterinarian, specialty center, or emergency hospital in the U.S., Canada, or Puerto Rico.

After your visit, submit your claim online.

You’ll pay a $250 deductible, and the Trupanion policy will cover 90% of remaining eligible expenses. We could even pay participating hospitals directly so you aren’t waiting for a reimbursement check.

There’s no catch. Focus on helping your pet heal, and let Trupanion take care of the paperwork.

Certificates provide the full benefits of the Trupanion policy — 90% coverage for unexpected injuries and illnesses, including hereditary and congenital conditions, with no payout limits. To learn more about coverage, check out the policy.

For example, you're covered for diagnostic tests, surgeries, medications, hospital stays, supplements, and prosthetic devices and carts.

We never want to surprise you with any hidden exclusions or limits.

No matter if you've just activated a certificate or continue policy coverage, we do not cover exam fees, sales tax (where applicable), routine preventive care (the costs you expect to pay as a pet owner), or pre-existing conditions (an illness or condition which occurred or showed systems prior to your pet's coverage effective date).

You can continue coverage at any time during the 30 days and we will not bill you until after your first 30 days. When you continue coverage you avoid waiting periods and any eligible conditions incurred during the certificate period will be eligible under the full policy.

If you choose to not provide payment information within 30 days, your pet will no longer be insured. We encourage you to continue during the certificate period to receive seamless coverage and avoid potential pre-existing conditions. If in the future you change your mind and want to protect your pet, your pet’s coverage will have the standard waiting periods of 5 days for injuries and 30 days for illnesses.

No. Each pet can only use one certificate.

Our policy is designed with your pet in mind

Simple pet medical insurance paper


All pets get the best coverage we have to offer under our one simple plan.

Veterinarian hospital accepting pet medical insurance


Let us pay your bill directly to your veterinarian—just pay your portion and we take care of the rest.

90% pet insurance coverage for cats and dogs icon


Our plan covers 90% of actual veterinary costs for eligible claims once you meet the deductible.

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

Rest easier knowing your pet is protected by a Trupanion policy

Since 2000, Trupanion has been innovating in the pet insurance industry. Our staff is comprised of veterinarians, veterinary technicians, and doting pet owners. We care passionately about pets and make sure our policy has what it takes to serve them and you.

  • Veterinarian recommended. 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.

  • Insurance not wellness. Why pay us for something you expect to happen? We leave the expected cost of wellness care to you and offer a policy that provides top coverage for unexpected accidents or illnesses.

  • Pick your price. Select a deductible that works for you and choose how much you pay each month. Easily cancel the policy or increase your deductible at any time.

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

From pets to vets, Trupanion is here to help

Burmese mountain dog testimonial

“It is so wonderful not to stress over the cost of the  treatment plan my veterinarian hands to me. I can focus on what needs to be done to help my dog get healthy again.”  - Megan M.

Dr Joseph Zuckerman

“I will continue to recommend Trupanion to all my clients and I have confidence that my practice will grow along with Trupanion.”  - Dr. Joseph Zuckerman

Employee testimonial

“Every day I leave Trupanion happier than when I came in, knowing I've eased owners' worries and helped pets receive the best possible care.”  - Gina P.

Continue my pet's coverage