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Pet insurance reinvented

Waiting for 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.

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

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Say goodbye to filing claims and waiting for reimbursement checks

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

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"When we picked Webster up from the veterinarian and got our bill, Trupanion paid its portion, and we only had to cover [the remaining 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."

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Our policy is designed with your pet in mind

No birthday pricing

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

No Payout Limits

We never place 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. Trupanion will never drop your coverage or penalize you for filing claims.

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

Embrace makes you wait 6 months for full policy coverage. There are no long waits with Trupanion.

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.

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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.

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Your policy pays out at 90% for all eligible costs related to that condition for the rest of your pet’s life.

No annual deductible

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 855.289.2166

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

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