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Rated #1 insurance in
America by veterinarians

The best coverage for your best friend.

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A dog and a cat

Source: Survey commissioned by dvm360, from April 19-
June 9, 2022. Read more.

There's pet insurance,
then there's Trupanion

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Get your bills paid directly

We are the only provider that can pay your veterinarian at checkout.

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Lifelong coverage

Unlimited payouts for the life of your pet.

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24/7 customer care

Our pet passionate team is available 24/7/365.

What's covered

  • New illnesses & injuries

  • Diagnostic tests

  • Surgeries

  • Physical therapy

  • Dental care

  • Medications

  • Veterinary supplements & herbal therapy

More about our coverage

Hereditary Conditions

We'll cover conditions your breed is prone to inheriting. Examples:

  • Elbow and hip dysplasia
  • Diabetes
  • Upper respiratory infections
  • Thyroid disease

Unidentified Issues

Even if your pet doesn't have an official diagnosis, we'll cover you. Examples:

  • Vomiting
  • Diarrhea
  • Cough
  • Change in weight

Congenital Conditions

We'll cover latent conditions your pet has developed before birth. Examples:

  • Heart disease
  • Nervous system issues
  • Cataracts
  • Liver disease

Unexpected injuries and illnesses

Trupanion provides one simple plan that covers 90% of eligible expenses related to unexpected illnesses and injuries for the life of your furry friend. This includes hospital stays, diagnostic tests, medications, surgeries, and other treatments that arise when your pet is sick or hurt.

Diagnostic tests

Any diagnostic tests tests related to your pet's unexpected illness or injury is covered by the Trupanion plan.

Hospital stays & surgeries

The Trupanion plan covers surgical procedures and time in the hospital arising from your pet's unexpected illlness or injury.


Any medications prescribed by your veterinarian to treat your pet's unexpected illness or injury are covered by the Trupanion plan.

Veterinary supplements & herbal therapy

Prescribed or recommended supplements purchased through your veterinarian are covered if they are used for the treatment of eligible illnesses or injuries.

Pre-existing conditions

All pre-existing illnesses, injuries, and conditions are excluded from coverage.

Wellness care

Wellness and preventive care (parasite control, spay/neuter, vaccinations) are not covered under the Trupanion plan.

Exam fees

Wellness and annual exam visits are not included in the Trupanion plan.

Got it

See our full policy

Pets deserve the best, most comprehensive coverage

With a Trupanion policy, every pet gets one simple plan that covers new unexpected injuries and illnesses.

Get a quote

Care can be costly

Join the over 800,000 Trupanion pets who enjoy protection from the unexpected - for life.

Dallas the dog


Vale, OR

Cruciate Ligament Tear, Cancer


saved with Trupanion

Brooklyn the dog


Irvine, CA

Cruciate Ligament Tear, Liver Condition


saved with Trupanion

Butters the cat


Gladstone, OR

Liver Disease, IBD, Heart Disease, Pica, Hyperthyroidism


saved with Trupanion

How it works

You receive a $5,000 bill after Kenny fractures his leg in an unexpected accident and you chose a $200 deductible when you enrolled.

Veterinary bill


We cover 90%
The amount you save


You pay ($200 deductible + 10% of bill)
(your deductible + 10% of bill)


A dog and a cat on a couch A dog and a cat on a couch

Trust your pet to North America's best

  • 90% coverage for new injuries & illnesses

  • Unlimited payout for the life of your pet

  • Direct payment available at checkout

  • Works with any licensed veterinarian

Still have questions?

Our pet passionate team loves talking with pet parents and are available 24/7/365.



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