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Trupanion Puppy Insurance

Congratulations on your new puppy!

You’re embarking on an exciting adventure as your pup grows up. And while you can’t predict the future, you can prepare for it. Dog and puppy insurance helps protect you from financial hardships when your dog gets sick or hurt.

If you feel confused or uninformed about medical insurance for pets—you are not alone (most new pet owners haven’t even heard of it.) To help you out, we answered the most commonly asked questions to help you decide if a Trupanion policy is right for you (hint, we think it is).

If you have questions, give us a call. Our Member Experience team is available 24/7 at 855.383.5371.

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

- Megan M.

A puppy

When's the best time to get puppy insurance? 

The best time to get insurance is while your dog is a puppy because you’ll get the best value out of your coverage:

  • More coverable conditions: The younger the pet, the less likely they are to have pre-existing conditions. That means more coverable conditions in case something happens. Please note that there are no pet insurance providers that cover pre-existing conditions, so the sooner you enroll, the better.
  • Lowest cost: With a Trupanion policy, we base your monthly cost for life on your puppy’s age when they enrolled. That means if you enroll your pet when they’re a puppy, they’ll always be priced as a puppy — even when they’re a senior dog.

How much does puppy insurance cost?

We want our members to be comfortable with their monthly cost, so we put the power in your hands. With our flexible deductible, you can find a monthly cost that works for your budget. After all, it’s easier to budget for a regular monthly cost than a large, unexpected veterinary bill.

Pick your price by adjusting your deductible—anywhere from $0 to $1,000. The higher the deductible, the lower your monthly cost (deductibles are the amount you’re responsible for before your coverage begins).

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

What does puppy insurance cover?

Trupanion puppy insurance provides 90% coverage for all new injuries and illness. Here are some of the things covered by a Trupanion policy:

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Diagnostic tests

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Prosthetic devices

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And more!

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

What's not covered with puppy insurance?

A few things a Trupanion policy does not cover are:

  • Wellness care (vaccines, spay/neuter, flea and tick prevention, etc.)
  • Pre-existing conditions
  • Exam fees
  • Sales tax where applicable
Wellness plans are a great complement to your insurance coverage, and we encourage you to ask your veterinarian if they have a wellness program they would recommend for your pet. 
We love informed decisions. See the policy for full coverage details.
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Do I need puppy insurance?

While we’re obviously a little biased…. our answer is yes, you need puppy insurance. Allow us to tell you why.

In short, we’re pet owners just like you, so we understand how stressful it is when your beloved pet is sick or hurt. Puppy insurance helps remove the stress of wondering if or how you’re going to pay for their care. It’s much easier to budget for a monthly cost than a large, unexpected bill.

An insurance policy with Trupanion is like a bottomless bank account for those large (and small), unexpected vet bills—so you get peace of mind knowing your pet can get the care they need when they’re sick or hurt.

How does puppy insurance work?

Puppy insurance with a Trupanion policy is pretty straightforward. Members pay a monthly cost to get coverage for all new injuries or illnesses during the lifetime of your pet. Here’s how puppy insurance works when your pets gets sick or hurt:

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Take your puppy to any veterinarian in the US, Canada, or Puerto Rico.

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Get your pet the care they need.

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Submit your invoice online (your veterinarian might take care of this for you).

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We cover 90% of eligible medical care costs for your pet after you meet your deductible.

After you submit an invoice, we take care of the rest. We’ll collect your pet’s medical records, reach out to your veterinarian directly if we have any questions, and we can even pay your claim directly to your veterinarian, so you only have to pay your portion of the bill.

How do I get puppy insurance?

Getting started is easy, just give us a call anytime! You can also get a quote online in just a few minutes. Tell us about your pet and we’ll show your quote right away. It’s that simple!


See why almost 99% of our members stay with us every month.