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Is medical insurance right for your pet?

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Pets deserve the best, most comprehensive coverage

The majority of cats and dogs will need veterinary attention at some point in their life, and there’s no knowing how serious things could be or how much it could cost.

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.”

The American Veterinary Medical Association (AVMA) “endorses the concept of pet health insurance that provides coverage to help defray the costs of veterinary medical care” and give “high quality and up-to-date veterinary service” to pets in need.

That's where Trupanion pet health insurance comes in.

With a Trupanion policy, all pets get one simple plan that covers all unexpected injuries and illnesses. We reimburse at 90% and never impose payout limits, so your pet can get the best care when they need it most.

Dr. John Basterfield, a veterinarian from the Juan De Fuca Veterinary clinic, agrees in the strength of Trupanion’s coverage, “The policy over the years has become broader and more comprehensive, adjusting to the increasing sophistication of medical services, diagnostics, treatments, and specialty care.”

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

Simply put, a Trupanion policy covers the medical expenses of new unexpected injuries and illnesses your pet may face, including:


We'll cover conditions your breed is prone to inheriting.


  • Elbow and hip dysplasia
  • Diabetes
  • Upper respiratory infections
  • Thyroid disease


Even if your pet doesn't have an official diagnosis, we'll cover you.


  • Vomiting
  • Diarrhea
  • Cough
  • Change in weight


We'll cover conditions your pet has developed before birth.


  • Heart disease
  • Nervous system issues
  • Cataracts
  • Liver disease

Whatever medical procedures your cat or dog needs for those unexpected injuries and illnesses, we'll cover. That includes things like:

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


Just know that our policy isn't designed to cover the things that happened before you became a member. Conditions that showed signs during waiting periods or before you enrolled are considered pre-existing and are not eligible for coverage.

We also offer additional coverage that complements our policy

These riders are available at an additional cost.

Recovery and Complementary Care Rider: To fully support your pet with complementary, non-clinical procedures, opt into this rider. You’ll receive coverage for:
Acupuncture, behavioral modification, chiropractic, homeopathy, hydrotherapy, naturopathy, physical therapy, rehabilitative therapy.

Pet Owner Assistance Package: Help your pet outside the veterinary office by receiving coverage for:
Advertising and reward for lost pets, boarding fees in the event you are hospitalized, liability coverage for third-party property damage, cremation or burial for deaths due to an accident, holiday vacation cancellation costs.

We have covered thousands of medical conditions for thousands of pets

Since our founding, the Trupanion policy has paid over $1 billion to members to help with medical procedures related to all of these conditions:



Kidney disease Emesis
Urinary tract infectious disease Diabetes
Hyperthyroidism Inflammatory bowel disease
Vomiting and diarrhea Lymphoma
Weight decreased Allergy
Pancreatitis Mass
Upper respiratory infection Dental disease
Otitis Constipation
Arthritis Cariomyopathy
Asthma Medical notation
Inappropriate urination Heart murmur
Loss of appetite Cough
Decrease in appetite Conjunctivitis
Congestive heart failure Lameness and limping
Gastroenteritis Blood in urine
Lethargy Urinary obstruction
Ingestion of foreign material Anemia
Crystalluria Behavior notation
Seizure Abscess
Dysuria Overweight
Urolithiasis Fracture
Corneal ulcer Sneezing
Pain Feline oral resorptive lesion
Broken Tooth Dermatitis
Prescription Diet Dispensed Infection
Extraction Stomatitis
Hypertensive disorder Polyuria and polydipsia
Soft stool Herpesvirus infection
Laboratory Values out of reference range Resorptive lesions
Fever Gingivitis
Gastritis Alopecia
Pyelonephritis Bite Wound
Dermatophytosis Wound
Mast Cell Neoplasm Giardiasis
Hematochezia Eosinophilic Granuloma Complex
Laceration Cholangiohepatitis
Resorptive lesion Respiratory distress
Feline infectious peritonitis Carcinoma
Colitis Azotemia
Acute renal insufficiency Rhinitis
Bronchitis Adenocarcinoma
Fever of unknown origin Back pain
Irritable colon Acne
Pollakiuria Pruritus
Liver disease Lesion
Pleural effusion Elevated kidney parameters
Gastrointestinal disease Portal triaditis
Discharge Trauma
Traumatic injury MPL - Medial patellar luxation
Obese Squamous cell carcinoma
GI upset Glaucoma
Polydipsia Nausea
Obstruction Fibrosarcoma
Tumor Liver inflammation
Swollen Uveitis
Pyoderma Pneumonia
Hypothyroidism Enteritis
Neoplastic disease Swelling
Wheezing Hepatopathy
Thrombocytopenia Cardiomegaly
Family Liliaceae poisoning Epilepsy
Trichobezoar Behavior modification aid
Infestation by Otodectes cynotis Hypokalemia
Steatosis of liver Ataxia
Cyst(s) Leukopenia
Conduction disorder of the heart Feline eosinophilic granuloma
Osteosarcoma Eruption
Pemphigus Dyspnea
Cardiac disease Multiple myeloma
Blockage of ureter Hematemesis
Intervertebral disc disorder Intestine thickened
Irritation Loss of hair
Coccidiosis Kidney stone
Spondylosis Itchy
Soft tissue injury Cat fight
Flea allergy dermatitis Chronic large intestinal diarrhea
Epistaxis Urinary incontinence
Hypoadrenocorticism (Addison's disease) Tapeworm infection
Cruciate Rupture (ACL, CCL) Megacolon
Splenomegaly Growth(s)
Renal changes Excessive salivation
Nephritis Chylothorax
Tachypnea Inflammation of anal sac
Dehydration Herpes conjunctivitis
Scratching Broken nail
Inappropriate defecation Lymphadenopathy
Kidney changes Hyporexia
Puncture wound Discharge from nose
Ulcer Non-healing wound
Intoxication Hyperglycemia
Keratitis Nasal Congestion
Pyotraumatic dermatitis Inflammation
Feline upper respiratory virus Lipoma
Hit By Car Conjunctival discharge
Urinary crystal, magnesium ammonium phosphate Hexahydrate
Polyp Leukocytosis
Allergy Otitis
Vomiting and diarrhea Lameness and Limping
Emesis Mass
Arthritis Cruciate Rupture (ACL, CCL)
Urinary tract infectious disease Seizure
Gastroenteritis Hypothyroidism
Diabetes Ingestion of foreign material
Dermatitis Pancreatitis
Medical notation Cough
Dental disease Kidney disease
Conjunctivitis Behavior notation
Pain Hip dysplasia
Giardiasis Urinary incontinence
Lymphoma Pyoderma
MPL - Medial patellar luxation Infection
Inflammatory bowel disease Fracture
Broken tooth Corneal ulcer
Back pain Intervertebral disc disorder
Mast cell neoplasm Heart murmur
Laceration Hypercortisolism
Extraction Lethargy
Hypoadrenocorticism (Addison's disease) Congestive heart failure
Urolithiasis Bite Wound
Pruritus Keratoconjunctivitis sicca
Colitis Traumatic injury
Pyotraumatic dermatitis Blood in urine
Gastritis Cataract
Anemia Soft stool
Epilepsy Lipoma
Abscess Osteosarcoma
Polyuria and polydipsia Broken nail
Decrease in appetite Pododermatitis
Itchy Overweight
Liver disease Laboratory Values out of reference range
Pneumonia Loss of appetite
Glaucoma Infectious canine tracheobronchitis
Hematochezia GI upset
Cyst(s) Wound
Inappropriate urination Cherry eye
Crystalluria Dysplasia of elbow
Eruption Weight decreased
Hepatopathy Prescription Diet Dispensed
Tumor Cruciate disease
Growth(s) Spondylosis
Upper respiratory infection Cariomyopathy
Inflammation of anal sac Alopecia
Cervical pain Swelling
Superficial pyoderma Intoxication
Thrombocytopenia Hypertensive disorder
Cushing disease Enteritis
Dietary indiscretion Hit By Car
Irritation Entropion
Soft tissue injury Ataxia
Pollakiuria Atopic Dermatitis
Trauma Fever
Lyme disease Carcinoma
Immune thrombocytopenia Lymphadenopathy
Discharge Poisoning by processed chocolate
Foxtail Foreign Body Swollen
Coccidiosis Portal systemic vascular shunt disorder
Papilloma Protein-losing nephropathy
Red/Redness Ear infection due to yeast
Lesion Tracheal collapse
Pruritic Gastrointestinal issue
Uveitis Adenocarcinoma
Chronic atopy Dysuria
Hind end weakness Liver inflammation
Hemangiosarcoma Conduction disorder of the heart
Vaginitis Mitral valve disorder
Respiratory distress Medication Ingestion
Fragmented coronoid process Histiocytoma
Tremor Neoplastic disease
Sneezing Protein-losing enteropathy
Aspiration Pneumonia Blood clot under the surface of the ear
Bronchitis Sebaceous cyst
Azotemia Adenoma
Inflammation Nausea
Immune mediated polyarthropathy Collapse
Transitional cell carcinoma Idiopathic epilepsy
Hyperadrenocorticism (Cushing's syndrome) Puncture wound
Hemangiopericytoma Localized infestation by Demodex
Spinal cord disease Canine parvovirus infection
Canine parvovirus infection Hematemesis
Melanoma Constipation
Raisin toxicity Sprain
Regurgitation Epulis
Elevated kidney parameters Grape Ingestion
Hindlimb weakness Dog attack
Mitral valve regurgitation Sore
Demodex Pannus of eye
Abrasion Achrochordon
Cardiomegaly Licking
Corneal abrasion Exomphalos
Polyuria Fever of unknown origin
Anaplasmosis Rodenticide poisoning
Obese Chronic large intestinal diarrhea

We mean it when we say we cover all unexpected injuries and illnesses.

Veterinarians recommend Trupanion because we strive to have the most extensive coverage out of all pet insurance companies.

Stith Keiser, veterinary hospital consultant, likes Trupanion because we “never stop looking for how to improve. Whether it’s improving the product, the client experience or what [Trupanion] does for the veterinary profession.”

This need to innovate has produced our most extensive policy yet, and helps thousands of cats and dogs receive the best veterinary care.

What about wellness care and exam fees?

We have made a deliberate choice not to cover wellness and preventive care or exam fees.

When it comes to wellness care, we don't believe that we should charge you extra for something that you can expect. When you can budget for wellness care costs, it doesn’t make sense to pay a middle man more to give that same benefit back to you.

Exam fees are similar to wellness. An exam fee is the administrative cost that you know will occur each time you take your pet to the veterinarian, whether it's for a routine checkup or something new. We're here for the unexpected, and when you take your pet in for an exam, the associated fee is an expected cost. Because of this, we do not cover any exam fees.

Trupanion was founded to help pets get the emergency care they need, not to help pet owners with routine payments.

Other pet insurance companies limit coverage for pets

Not all pet insurance companies offer coverage for all unexpected injuries and illnesses. A lot of them have generally broad coverage, but there are big exclusions and limits to what they will cover. Sure, your policy may be a few dollars cheaper each month, but will it give your pet the best protection?

How we compare

Trupanion - medical insurance for pets logo

All unexpected injuries and illnesses

  • Major Medical plan does not cover congenital or hereditary conditions (the things most likely to happen to certain breeds).
  • In all plans other than Whole Pet with Wellness, no coverage for cruciate ligament injuries until 12 months after enrollment.
  • Even if they choose to not enforce this term in their policy, can deny conditions previously covered at annual renewals.
  • No coverage for hip dysplasia until 12 months after enrollment. Hip dysplasia can be extremely costly to treat once diagnosed, and is most often diagnosed at a young age. A Golden Retriever, for instance, is 3.4x more likely than the average dog to be diagnosed with hip dysplasia before they are a year old. If hip dysplasia is not diagnosed and treated as soon as possible, it can lead to the need for total hip replacement.
  • No coverage for supplements, vitamins, or food.
  • No coverage for dental illness.
  • Coverage options at enrollment may be reduced based on a pet’s breed.
  • No coverage for orthopedic issues until 6 months after enrollment.  Orthopedic issues can include hip dysplasia, cruciate ruptures, and luxating patellas. Six months may not seem like a long time to wait, but we’ve found that both cruciate ruptures and luxating patellas are two of Trupanion’s commonly claimed conditions and some of the most costly to treat. A Labrador Retriever between the ages of 2 and 7 years old, for instance, is 80% more likely than the average dog to experience a cruciate rupture, and treatment will likely cost the pet owner nearly $4,000.
  • Dental coverage limited to $1,000 per year (the coverage is available in most states).

No pet insurance provider offers coverage for pre-existing conditions.

Trupanion has a team of trained veterinary professionals reviewing claims so we can identify eligible and ineligible conditions. If we aren’t quite sure if something is pre-existing, we work side-by-side with your veterinarian to review medical records.

We want pets to have the best possible care

You wouldn’t want to buy the cheapest medical insurance policy for your children, so why buy that for your pet who is as good as family?

Our policy was developed by veterinarians and has been used to protect nearly half a million pets. It covers treatments and procedures related to thousands of conditions so you and your pet feel protected.

No matter your pet’s breed, gender, or age, if they enroll in a Trupanion policy, they will receive our one simple plan that covers all unexpected injuries and illnesses. There are no tiers you can opt into, there are no gold, silver, or bronze plans, there is only our one simple plan that has what it takes to cover your pet when they need it most.

Over 70% of our members enrolled with Trupanion because of a positive recommendation from their friend, family member, or veterinarian.

A cat and dog silhouette in a blue circle

"It’s hard to think of Trupanion as a pet insurance company. They are smart, nimble, and humble. They learn from their mistakes and above all, act with honor and integrity. This is a company that has a soul."
- Johnathan James, CEO, Animal Care Centers of Castle Pines

Dr Zimmerman

"Trupanion has restored my confidence that insurance companies and practitioners can work together to improve the quality of care that we can provide. I will continue to recommend Trupanion to all my clients."
- Dr. Joseph Zuckerman, Ardsley Veterinary Associates, Ardsley, NY