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Know the facts about pet medical insurance

What is medical insurance for cats and dogs?

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Worry-free coverage for the unexpected

We cover 90% of all eligible vet bills and won't raise your rates for filing too many claims

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Fast claim payments

We make it easy to handle your vet bills, which is why 60% of our claims are settled the very same day.

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No limits

We cover all unexpected illnesses and injuries, easy as that. No annual or lifetime payout limits that punish unlucky pets.

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

Start your quick quote

Insurance starts for puppies & kittens from 8 weeks of age
puppy and kitten

If your puppy or kitten is younger than this, please call 855.591.3100 or email us & we will get right back to you to arrange coverage.

What does medical insurance cover?

Simply put, we cover 90% of all unexpected veterinary costs so that you can rest easy knowing your pet (and your wallet) are protected.

What's covered

  • Illnesses & injuries
  • Hereditary & congenital conditions
  • Diagnostic tests
  • Surgeries
  • Hospital stays
  • Medications
  • Veterinary supplements
  • Prosthetic devices & carts

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)

Waiting periods

Coverage is applicable to new injuries or illnesses that occur after waiting periods.

How much does it cost

Our prices are tailored specifically to your pet and based on the following factors:

Cake icon Age (at enrollment)

Dog and cat icon Breed

Female and male gender symbols Gender

Small house and building icons Cost of care where you live

Terms and conditions apply. See the policy for details.

What makes Trupanion the best choice for your pets?

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All pets get the best coverage we have to offer under our one simple plan
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Our plan covers 90% of actual veterinary costs for eligible claims once you meet the deductible
Hand receiving money from having the best pet insurance provider


Your pet receives unlimited lifetime insurance coverage without caps
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

We're here when you need us, call us at 855.210.8749

Let our award-winning customer care specialists take it from here. We're even available 24/7!