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Note: This information applies to pet owners who live in Canada and the United States except for Florida, Idaho, Pennsylvania, South Carolina, Washington, and Puerto Rico.

We’re here to answer your questions

Even if you’ve just received an offer, are thinking about upgrading coverage, or are just wanting to learn more.
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What is an offer?

The Trupanion Offer program was created so pet owners with healthy, young pets that have been examined by their veterinarian or adopted from a shelter or breeder can experience the Trupanion policy for 30 days without coverage waiting periods and for no upfront payment.

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How do I get an offer?

Veterinarians, shelters, and breeders who are part of our programs can provide offers after either a veterinarian exam or adoption. Talk to your primary veterinarian, your shelter or your breeder to see if they provide Trupanion offers.

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How is it similar to enrolling in a full policy?

Everything that’s covered in a policy is covered when you activate an offer. There are no caps, limits, or penalties for filing claims. You’ll have access to our pet-loving customer care team, available 24/7 to answer any questions.

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

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How is it different from the full policy?

It waives waiting periods, so your pet is covered for any new injury or illness that’s not pre-existing. You’ll have a $250 deductible for each eligible condition that occurs during the 30 day offer period. This special offer needs to be activated within 24 hours of receiving it, so make sure you call or go online to activate as soon as possible.

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

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What happens after the 30 days are up?

The coverage will end unless you decide to continue your coverage by purchasing a policy. You can continue coverage at any point during the 30 days, and won’t be charged until your 30 day period expires. If you decide to let the 30 day coverage lapse, you won't be charged at all. However, if the 30 day coverage ends, and later on you decide to purchase a policy, your coverage under that policy will be subject to usual waiting periods (see policy for details) and any new injury or illness that was covered during the offer period would be considered pre-existing.

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What’s the catch?

There isn’t one. You don't need to provide payment information until you decide to continue coverage. We’re so confident that once you try out Trupanion, you’ll realize the value of protecting your pet and join the Trupanion family with 500,000 pets (and counting).

How it works

  1. RECEIVE trupanion offer

    Get your offer from your veterinarian or one of our partner shelters or breeders.

  2. ACTIVATE offer

    Activate within 24 hours after your pet’s exam or adoption.


    Rest easy knowing your pet (and your bank account) are protected from the unexpected.


    Protect your pet for life and continue coverage after your offer period ends.

 Already have an offer?

Click to activate

Ask your veterinarian for a Trupanion offer at your next appointment, or when you pick up your pet at your breeder or shelter!
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Get a reminder via text!

Click here to sign up for a reminder from Trupanion to ask for an offer.

What you get

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Call anytime (seriously, 24/7) during the next 30 days to add your payment details – but don’t worry, no upfront payment is needed for 30 days.
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Why wait? Offers waive waiting periods. So, instead of 5 days for accidents and 30 days for illness, anything not pre-existing, is covered from the day you activate.
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You get 90% coverage, at the veterinarian of your choice, with no payout limits for new, unexpected injuries and illnesses and access to 24/7 customer and claim support from our pet passionate staff.

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

Want more information?


All cats and dogs under 14 years of age are eligible to enroll for lifelong coverage. To use an offer from a veterinarian, your pet just needs to have received an exam within 24 hours.


What's covered?

  • Illnesses & injuries
  • Hereditary & congenital conditions
  • Diagnostic tests
  • Surgeries
  • Medications & supplements
  • And much, much more

What's not covered?

  • Exam fees
  • Sales tax where applicable
  • Wellness and preventive care
  • Pre-existing conditions
Click to activate

Our promise

We promise to never increase your monthly payments due to your pet aging or just because your pet has been unlucky and has faced some medical issues. That’s our promise—simple and fair.