What is cat or kitten insurance?
When your cat or kitten gets sick or injured, the last thing you want to think about is how much the veterinary care will cost. The best cat health insurance helps protect you from that financial burden and makes sure you can focus on getting the best care possible. Whether your cat encounters a minor incident, like a snagged claw or stumble down the cat tree, or develops a serious medical condition like kidney disease or cancer, Trupanion is there to cover 90% of all eligible healthcare expenses.
In a world of advanced veterinary care, the best coverage gives you the financial ability to care for your family member, and we can do that.
The Trupanion policy provides coverage you can count on.
How does cat insurance work?
Cat health insurance is simple with Trupanion. You pay a monthly premium in order to be covered for any new, unexpected illnesses or injuries throughout your cat’s life.
If your cat is under the weather take them to any veterinarian, specialty center, or emergency hospital in Canada, the US or Puerto Rico and get them the treatment they need.
What does cat health insurance cover?
Simply put, we provide one simple plan that covers 90% of your unexpected veterinary costs. This includes hospital stays, diagnostic tests, medications, surgeries, and other treatments that arise when your feline friend is ill or injured. The 90% coverage kicks in after you meet your deductible, and there are no limits on the amount we reimburse.
Basically, almost every type of injury or illness is eligible for coverage, so long as it is not considered pre-existing. We do not exclude any conditions or breed-specific ailments. We even cover hereditary and congenital conditions, provided signs were not evident before your enrollment date.
That means if your cat gets a respiratory infection, develops a recurring urinary condition, or is diagnosed with kidney disease or lymphoma, we’ll be there. Sprains a paw? We’ll cover it. Allergies? We’ve got it covered. Swallows a rubber band? We’ve covered it before and we’ll do it again. Nibbles on a toxic plant? We’re there for you.
We love informed decisions. See our policy for full coverage details.
If you live in Florida, see how we're doing things differently for you.
What's covered
- Illnesses & injuries
- Hereditary & congenital conditions
- Diagnostic tests
- Surgeries
- Hospital stays
- Medications
- Veterinary supplements
- Prosthetic devices & carts
Waiting periods
Coverage is applicable to new injuries or illnesses that occur after waiting periods.
Waiting periods are waived when activating a certificate from your veterinarian.
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)
Extra coverage
Trupanion also offers optional packages for additional coverage that may fit your lifestyle. These packages can protect you from other unforeseen events or circumstances related to your cat, provide extra coverage for alternative and rehabilitative therapies, and add extra protection for breeding cats. They come at an additional cost.
How much does cat insurance cost?
Each cat is unique, from their size to their energy level and temperament, which is why our prices are unique to your cat's situation. The cost of cat insurance varies based on several factors specific to your cat or kitten, including:
You can customize your monthly price by changing your deductible
Once you get a quote, choose your cat's monthly premium by selecting a deductible from $0 to $1,000. This is the amount you’ll be responsible for before your coverage starts. This gives you the flexibility to set a monthly premium that best fits your budget. You can lower your deductible in your first 30 days, or increase it any time by giving us a call.
What might cause my premium to change?
Over the life of your cat, you may see periodic adjustments to your cat's premium, which may be an increase, a decrease, or no change at all. Premium changes are due to the average cost of cats similar to yours based on our claims experience and inflation.
You will never see an automatic increase to your premium as a result of filing a claim. We know that you have no control over whether your feline friend gets sick or injured, which is why we don't penalize a policyholder with increased premiums solely because they’ve filed a claim.
When should I get medical insurance for my cat or kitten?
The best time to think about insurance for your cat is when they are a kitten or young adult. Every cat is prone to certain types of illnesses and injuries in each stage of life so it’s important to be prepared every step of the way.
TIP: No cat insurance provider offers coverage for pre-existing conditions. By insuring your cat when they are young or when you first bring them home, you can get them covered before you find any signs of pre-existing conditions and get the most out of your Trupanion policy.
Why should I choose Trupanion?
The Trupanion policy can help protect your cat and your finances.
We know the choice of selecting a provider can be daunting, but there are a number of reasons why the Trupanion policy is a great choice for your cat.
90% COVERAGE
PICK WHAT YOU PAY
EASY CLAIM PROCESS
YOU CHOOSE YOUR VET
Whether you visit your current veterinarian or a specialty hospital, the Trupanion policy has you covered at any veterinary practice in Canada, the US or Puerto Rico, and in many cases, can pay claims directly to the hospital.
NO PAYOUT LIMITS
AWARD-WINNING CUSTOMER CARE
All it takes to get started is to: