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Trupanion offers a deductible that works for you

A deductible is the portion of the veterinary bill you're responsible for before the 90% coverage starts. Depending on your pet’s medical condition and your chosen deductible amount, deductibles can be paid all at once or chipped away at over time.

Deductibles can be difficult to understand, even in human health insurance. 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 that you can change when necessary.

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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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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

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 the policy for full coverage details.

Deductibles explained in 60 seconds

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Clear up any confusion about lifetime per condition deductibles


You'll pay more with lifetime per condition deductibles.

Trupanion invented the lifetime per condition deductible to help pet owners save money. You're not guaranteed to save more by having an annual deductible.


You pay a deductible every time you go to the vet.

Sometimes it takes more than one vet visit to meet a deductible. However, you don't have to pay a deductible every time you visit your veterinarian.


You have to meet your deductible every year.

Why pay every year for something your pet was diagnosed with once? Once you meet your deductible for one condition, you never have to pay it again.


Your coverage is limited because of the deductible you choose.

A Trupanion policy gives you one simple plan with top coverage, no matter if you have a high or low deductible amount.

Other companies have deductibles that could leave you paying more

The most common deductible that other pet insurance companies offer is the annual deductible.

Annual deductibles: You must meet your deductible every year before you get reimbursed.

Lifetime per condition deductibles: You must meet your deductible once per medical condition before you get reimbursed.

Trupanion is the only company to offer a lifetime per condition deductible. We worked with veterinarians to invent this unique deductible specifically to save pet owners money over the lifetime of their pet.

It’s standard in the pet insurance industry to offer an annual deductible, but that doesn’t mean it’s what’s best for your pet or your wallet.

Based on actual claims experience, most pets are likely to have 2-3 ongoing issues in their lifetime. With an annual deductible, pet owners would have to pay their deductible multiple times throughout their pet’s life. With a lifetime per condition deductible, pet owners pay their deductible for a chronic condition only once.

Roxy the dog

Meet Roxy

Roxy was adopted with a little wagging tail and a clean bill of health at about 10 weeks old.

  • At about a year old, Roxy got into the trash and swallowed a corn cob. Unfortunately, she needed surgery to remove it.

  • At about 4 years old, Roxy started chewing her paws and was diagnosed with allergies, which required regular treatments at the veterinarian.

  • At 10 years old, Roxy started to slow down. Her veterinarian diagnosed her with arthritis, a result of a long, active lifestyle.

Here's how the different deductible types apply for Roxy's conditions

Example of how different deductibles apply to Roxy's conditions


As in Roxy's case, lifetime per condition deductibles are especially good at saving pet owners money for chronic and related conditions over a pet's lifetime. Veterinarian, Andrea Crabtree, likes lifetime per condition deductibles, precisely because "a chronic disease needs coverage for life, not for a short amount of time."

Specific cat and dog breeds often develop chronic conditions

The New York Times reports, “If you buy a purebred animal, chances are high they have a genetic predisposition to a number of diseases, and if you rescue a mix, anything could be in store.”

This pre-disposition toward certain medical conditions means your pet will probably rely on insurance over the course of their life. If your cat or dog is prone to chronic conditions, a lifetime per condition deductible will save you more money than an annual deductible.

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For example, Australian shepherds, Chihuahuas, Golden retrievers, Labrador retrievers, Maltipoos, Jack Russell Terriers, and Shiba Inus are all breeds that could develop chronic conditions. Lifetime per condition deductibles could be especially good at helping dogs with:

  • Arthritis
  • Heart disease
  • Cancer
  • Diabetes
  • Epilepsy
  • Liver disease
  • Skin allergies
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For example, Bengals, Manx, Munchkins, Persians, Ragdolls, Russian Blues, Snowshoes, and Siamese are all breeds that could develop chronic conditions. Lifetime per condition deductibles could be especially good at helping cats with:

  • Heart disease
  • Kidney disease
  • Diabetes
  • Asthma
  • Liver disease
  • Pancreatitis
  • Hyperthyroidism

To be fair, lifetime per condition deductibles don’t always benefit pet owners. If your pet is incredibly unlucky (maybe developing 5 unrelated conditions in a year), you would be paying more in that first year than if you had an annual deductible. However, you would never have to pay deductibles again related to future treatments on those 5 conditions.

If you’re deciding between which deductible (and which pet insurance company) is best for you, Policy Genius notes that no matter if it’s lifetime per condition or annual, “the important thing is to choose a deductible amount that you’re comfortable paying.”

How do I choose what deductible and premium will work for me?

You can pick a deductible ranging from $0 to $1,000. The deductible amount you pick will alter your premium (monthly payments). You can even eliminate paying a deductible by choosing the $0 deductible option, the fastest and easiest way to start having eligible conditions covered at 90%.

Lower deductibles mean:

  • Higher monthly premiums

  • You reach 90% coverage of eligible conditions sooner

  • You pay more now, but could save more later

Higher deductibles mean:

  • Lower monthly premiums

  • It may take longer to reach 90% coverage of eligible conditions

  • You save more now, but could pay more later

Deductible slider example


Every pet is different. Depending on whether they are young, middle-aged, or getting their first gray hairs, the best deductible choice will vary. To find the best deductible to fit your circumstances, we recommend calling our pet-loving experts at Trupanion to walk you through the options. You can change your deductible at any time during the first 30 days of coverage. After 30 days, you can increase your deductible to lower your monthly price anytime. Just give us a call!

We’re available 24/7 to help walk you through our policy.

The Trupanion Guarantee

Helping you find a price that works

When you call to enroll, we'll help you choose the deductible that offers the best value for you. Our award-winning specialists will review:

  • Your pet's breed
  • Your pet's age
  • Your desired budget

If you're interested in customizing your pet's medical insurance price, take 5 minutes and give us a call now.

Find the right deductible for your pet with a quick quote.

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