A woman cuddles a puppyA woman holds a puppyA woman holds a tiny puppy

Priced for the lifetime health of your pet

  • ✔ Transparent and customizable pricing
  • ✔ Designed with your pet in mind
  • ✔ You always get value at a fair cost
Get your pet's quote

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

We do what it takes to help your best friend get better

Reimbursement is a thing of the past

We can pay claims in as little as 5 minutes at participating hospitals. That means no more paying the full bill out of pocket, submitting paper claims, and then waiting for approval and reimbursement.

White check mark in a green circle

Find out the status of your claim and what is covered in minutes

White check mark in a green circle

Say goodbye to filing claims and waiting for reimbursement checks

White check mark in a green circle

Pay only your portion and we pay the rest directly to your veterinarian

Webster testimonial picture

"When we picked Webster up from the veterinarian and got our bill, Trupanion paid its portion (90%), and we only had to cover the deductible and remaining 10% of costs. This was such a relief because we didn't have to cover Webster's entire bill out of pocket - instead, we could focus on his recovery."

"Out of a $64,000 claimed veterinary bill, Trupanion covered the eligible $57,000 and truly have no limit. They were there for Amethyst no matter what – they even paid directly to the hospital! I wouldn’t have my Amethyst if it wasn’t for Trupanion."

Amethyst testimonial picture

Our policy is designed with your pet in mind

No birthday pricing

We don't automatically raise rates just because your pet gets older.

90% reimbursement with no payout limits

We reimburse all eligible claims at 90% with no caps or limits on how much we'll pay.

No claim penalties

We will never raise your pet's rate no matter how many claims you file with us.

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

VPI/Nationwide can drop your coverage if you file too many claims. TheTrupanion policy will never drop your coverage or penalize you for filing claims.

Healthy Paws limits coverage for older pets. The Trupanion policy does not discriminate based on age.

Embrace makes you wait 6 months for full policy coverage. The Trupanion policy has a standard waiting period of 30 days.

Plus, Trupanion pet health insurance is the only company who can reimburse veterinarians directly with our unique software system.

Trupanion offers a deductible that works for you

Our deductible was invented to help your pet and protect your wallet.

We think it’s important for you to know exactly how you benefit from a Trupanion policy that features a lifetime per condition deductible.

Lifetime per condition heart and infinity symbol icon

A Trupanion policy is unique because we offer a lifetime per condition deductible. You pay a deductible only when your pet develops a new condition. A condition is any unexpected injury or illness and any additional medical issues that occur as a result.

90% pet insurance coverage for cats and dogs icon

Once your deductible is paid, your policy begins paying out at 90% for anything related to that condition for the rest of your pet's life.

No annual deductible calendar icon

Most pet insurance companies offer an annual deductible. However, we are against making owners pay multiple times for a condition that is diagnosed once.

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

Plus you get top coverage for the things your pet is most likely to experience


You're covered for:

Illnesses and injuries, such as:

  • Bite wounds
  • Foreign body ingestion
  • Patella luxation
  • Allergies
  • Kidney disease
  • Upper respiratory infections
  • Urinary obstructions

Conditions your breed may be prone to (hereditary and congenital) such as:

  • Cherry eye
  • Diabetes
  • Hip dysplasia
  • Thyroid disease
  • Cancer
  • Heart disease


  • Diagnostic tests
  • Surgeries
  • Hospital stays
  • Medications
  • Veterinary supplements
  • Herbal therapy
  • Prosthetic devices and carts

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

We're here when you need us, call us at 855.690.8123

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

Get your pet's quote