A woman and her dogA woman and her dogA woman and her dog

Anything is paws-ible with Trupanion

  • 90% of eligible costs are paid
  • Direct to vet payment options
  • Coverage for the life of your pet
Get your dog's quote

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

Trupanion is your constant companion

Despite our best efforts, our pups can still get sick or injured unexpectedly. Having medical insurance for your dog alleviates the stress of unexpected costs so you can focus on what matters most.

What does medical insurance for dogs cover?

Trupanion provides one simple plan that covers 90% of eligible expenses related to unexpected illnesses and injuries for the life of your furry friend. This includes hospital stays, diagnostic tests, medications, surgeries, and other treatments that arise when your pet is sick or hurt. The 90% coverage kicks in after you meet your deductible, and there are no limits on the amount we reimburse.

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.

Get unlimited and trusted coverage

90% Coverage

Trupanion offers 90% coverage and includes unlimited payouts standard for breed-specific conditions — the things most likely to happen to your pet.

Customer Care Icon

Our furry friends are part of our family — and you will be too! Our customer service agents are also pet owners and are available 24/7.

Thumbs Up Icon
Trusted by over 700,000 pets and more than $1.5 billion paid out to help cats and dogs get the care they need.
We love informed decisions. See our policy for full coverage details.

How does medical insurance for dogs work?

Hospital Icon
If your pup is sick or injured, take them to any veterinarian, specialty center, or emergency hospital in Canada, the US or Puerto Rico.
90% Coverage
We’ll cover 90% of eligible healthcare expenses for your dog or puppy. You are responsible for any non-eligible expenses, your deductible, and the remaining 10%.
Accidents and Illnesses Icon
When it comes to the unexpected, we'll be there for life. You're only responsible for the routine and preventive care — the costs you expect to pay as a dog owner.
We love informed decisions. See our policy for full coverage details.

Trupanion can pay your veterinarian directly at the time of checkout

Vet Direct Pay Graphic

How much does medical insurance for dogs cost?

Each of our pets is unique, which is why our prices are not one-size-fits-all. Your dog's monthly price is determined by looking at a few different factors:

Pricing Factors Graphic

You control your deductible and monthly price

We understand that budgets matter, so we’re committed to making medical insurance for dogs affordable. Trupanion gives you the option to choose your dog's monthly price by selecting a deductible from $0 to $1,000, giving you the financial flexibility you need. This is the amount you'll be responsible for before your coverage kicks in. You can lower your deductible in your first 30 days or increase it any time by giving us a call.

Your price will never automatically increase just because your pet gets older

We understand that dogs age just like people do and we will never penalize you for this. Over the life of your dog, you may see periodic adjustments to your dog's premium, which may be an increase or decrease; however, you will never see an automatic increase to your premium as a result of filing a claim or because your pet ages. We also know that you have no control over whether your dog gets sick or injured, which is why we don't penalize our members with increased premiums just because they filed a claim.

Check out our pricing philosophy for more detail.

Life can be ruff, but Trupanion makes it easier

Our pet-loving team is here 24/7/365 to answer your questions and help you find a quote that works for you and your pet.


Getting a quote is fast, easy and risk free

Call now 844.922.1170

We love informed decisions. See our policy for full coverage details.
Tap to Call Get your dog's quote

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