Dog insurance · Protecting pets since 2000
You made a promise the day you brought your pup home
We help you keep it. Trupanion dog insurance covers up to 90% of vet costs with no payout limits, so when the unexpected happens, your answer to treatment can always be yes.
NEW PUPPY PARENT?
The earlier you enroll, the more we can help with later.
Built for a long life together
So you can enjoy every cuddle, every zoomie, and every moment that matters.
No payout limits, ever
No annual cap. No lifetime cap. Treatment keeps going as long as your dog needs it.
Covers new conditions for life
We will never reduce coverage or raise your rate just because your dog gets sick or injured.
Dog insurance for lifelong care
The focus should always be on healing
Every Trupanion dog insurance policy is crafted around the same idea: when they need you, we've got you.
Coverage
90%
We pay this share of the covered costs so you don’t shoulder the burden alone
Deductible
$0 - $1,000
Pay it only once per condition, and never worry about annual resets
Payout limit
Unlimited
No annual limit. No lifetime limit. The bill can be $5,000 or $50,000 and we will always cover our share
Vet freedom
Any vet
Choose any licensed vet in the US, Puerto Rico, or Canada. Specialists and ERs included
Dog insurance Coverage
We cover what others won’t
Life with a dog comes with surprises. Your coverage shouldn't.
COVERED
NOT COVERED
Accidents & illnesses
From accidents to chronic conditions, we cover the unexpected and the ongoing
Prescriptions & supplements
Medications and supplements prescribed to treat a covered condition, including long-term prescriptions for chronic illness
Diagnostic tests
Such as X-rays, MRIs, CT scans, ultrasounds, bloodwork, and more when ordered by your vet
Emergency care
Just like our customer care, no matter the time of day or night, emergency care is always included at any hospital or clinic
Dental
Tooth extractions, abscesses, fractures, gum disease, and accidental injuries
Cancer
Diagnosis, treatment, chemotherapy, radiation, surgery are covered no matter the cost
Veterinary specialists
Treatment and diagnostics from any veterinary specialist is included, no referral needed
Breed-specific conditions
Hip dysplasia, brachycephalic conditions, IVDD — every breed welcome, no fine print
Hereditary conditions
Conditions your dog is genetically prone to are covered just like any other illness.
From accidents to chronic conditions, we cover the unexpected and the ongoing
Medications and supplements prescribed to treat a covered condition, including long-term prescriptions for chronic illness
Such as X-rays, MRIs, CT scans, ultrasounds, bloodwork, and more when ordered by your vet
Just like our customer care, no matter the time of day or night, emergency care is always included at any hospital or clinic
Tooth extractions, abscesses, fractures, gum disease, and accidental injuries
Diagnosis, treatment, chemotherapy, radiation, surgery are covered no matter the cost
Any specialist needed to treat your dog is included with every Trupanion plan, with no referral required
Hip dysplasia, brachycephalic conditions, IVDD—every breed welcome, no fine print
The conditions your dog was born with are covered just like the ones that come up as they get older
Wellness & routine care
Everyday care like parasite prevention, spaying and neutering, and vaccinations are not included
Pre-existing conditions
Anything your dog had or showed signs of before coverage started isn't eligible
Vet exam fees & taxes
These costs are easier to plan for ahead of time with your dog, so they fall outside your policy
Preventable conditions
Preventable issues, like certain parasites and dental problems from missed cleanings, aren't covered
Everyday care like parasite prevention, spaying and neutering, and vaccinations are not included
Anything your dog had or showed signs of before coverage started isn't eligible
These costs are easier to plan for ahead of time with your dog, so they fall outside your policy
Preventable issues, like certain parasites and dental problems from missed cleanings, aren't covered
Ready to build your dog’s plan?
See your personalized quoteCost of care for dogs
What you pay with
and without Trupanion
Select a condition to see typical vet costs and how much Trupanion coverage can reduce what comes out of your pocket.
Without Trupanion
Up to $7,000
full bill, out of pocket
With Trupanion
Up to $700
deductible + 10% of remainder
Without Trupanion
$7,000
With Trupanion
$700
ACL tears are one of the most common orthopedic injuries in dogs, often requiring surgery and rehabilitation. Cost to treat can be up to $7,000. With 90% Trupanion coverage, you'd pay as little as $700.
Without Trupanion
Up to $4,200
full bill, out of pocket
With Trupanion
Up to $420
deductible + 10% of remainder
Without Trupanion
$4,200
With Trupanion
$420
Allergies are one of the most common conditions in dogs, requiring ongoing chronic care. Costs typically run up to $4,200 per year. With 90% Trupanion coverage, you'd pay as little as $420.
Without Trupanion
Up to $10,000
full bill, out of pocket
With Trupanion
Up to $1,000
deductible + 10% of remainder
Without Trupanion
$10,000
With Trupanion
$1,000
Cancer is one of the most common diseases diagnosed in dogs, often requiring chemotherapy and/or radiation to treat. Costs can rise to up to $10,000 depending upon the course of treatment. With 90% Trupanion coverage, you'd pay as little as $1,000.
The Trupanion difference
Not all dog insurance is built the same
The things that matter most go beyond the monthly premiums.
Most competitors
Reimbursement model
Pay upfront, wait weeks for money back
Annual benefit caps that limit coverage
Deductibles reset every year for life
Rising premiums on every birthday
TRUPANION
VetDirect Pay™ model
Trupanion pays your vet directly at checkout
No caps, ever, on any condition
One deductible per condition — paid once, never again
No price increases just because your pet has a birthday
how VetDirect Pay™ works
We’ll be there for the paperwork, you be there for them
All other pet insurers expect you to pay your vet in full at checkout and then wait for reimbursement. Trupanion is different. We can pay our share instantly at checkout with no hassles and no paperwork.
Go to any veterinarian
Choose any licensed vet, specialist, or ER clinic in the US, Puerto Rico, or Canada
We handle the bill
Your vet bill is paid instantly at checkout, with no need to file a claim yourself
Covered for life
The condition(s) treated stays covered as long as you're a member
Dog insurance for all breeds
Coverage designed for every breed
Explore a few dog breeds to see their common conditions and costs to treat
GOLDEN RETRIEVER
DOODLE
GERMAN SHEPHERD
LABRADOR
DACHSHUND
Golden Retriever
Doodle
German Shepherd
Labrador
Dachshund
Built to protect everyone. Let us protect them for you.
Hip dysplasia
Up to $7K
About 1 in 5 German Shepherds shows hip dysplasia, one of the highest rates of any breed. A total hip replacement runs up to $7K per hip, and many dogs eventually need both.
Bloat (GDV)
Up to $10K
German Shepherd are among the breeds most at risk for bloat, where the stomach fills with gas and twists. Surgery plus the days of intensive care that follow can reach $10K.
Degenerative Myelopathy
Up to $8K
This is the spinal disease first named for the breed, and the SOD1 risk variant still runs high in German Shepherds. There is no cure, so the cost is in ongoing rehab, mobility support, and palliative care.
Loves everyone they’ve ever met. We love them right back.
Cancer
Up to $10K
Roughly 60% of Golden Retrievers will face cancer, most often hemangiosarcoma or lymphoma. A full course of chemotherapy or radiation can run up to $10K depending on the type of treatment.
Hip Dysplasia
Up to $7K
Close to 1 in 5 Goldens shows hip dysplasia at either 6 to 18 months old (due to joint looseness during rapid growth) or 4 to 8 years old (due to the onset of secondary osteoarthritis). Surgery reaches up to $7K per hip.
Elbow dysplasia
Up to $4K
Golden Retrievers are one of the breeds most prone to elbow dysplasia, which tends to show up as front-leg limping in young, growing dogs. Arthroscopic surgery to clean up the joint runs up to $4K per elbow.
A teddy bear with a heartbeat.
Hip Dysplasia
Up to $7K
Hip dysplasia affects roughly 10%-20% of Doodles. Because Doodles inherit traits from both sides of their lineage, they remain highly susceptible to this condition.
cancer
Up to $10K
Goldendoodles carry elevated cancer risk from their Golden Retriever side. Chemotherapy or radiation can run up to $10K.
Cataracts
Up to $5K
Doodles inherit a Poodle-line tendency toward cataracts, a clouding of the lens that can progress to blindness. Surgery runs up to $5K per eye, and most dogs see clearly again within weeks.
Will retrieve anything, trouble included.
Elbow dysplasia
Up to $4K
Front-leg lameness in Labs often appears by five or six months old. Arthroscopic surgery runs up to $4K per elbow.
CCL knee surgery
Up to $7K
Labs are among the most prone to a torn cruciate ligament. Surgery runs up to $7K per knee and often affects both knees.
Hip dysplasia
Up to $7K
20%-30% of Labs have hip dysplasia in their lifetime A total hip replacement reaches up to $7K per hip, and often is needed for both hips.
Low to the ground, high on opinions.
IVDD
Up to $8K
About 1 in 4 Dachshunds will face IVDD, where a disc ruptures against the spinal cord. Surgery, and recovery together can reach $8K.
Dental disease
Up to $3K
Ranked among the top breeds for periodontal disease, roughly 28% of Dachshunds are affected. Extractions and treatment can run up to $3K.
Patellar Luxation
Up to $5K
Dachshunds can develop a kneecap that slips out of its groove, showing up as a skip or a little hop mid-stride. Surgery to rebuild the joint runs up to $5K per knee.
Start your dog’s coverage
get your custom priceTrupanion pet insurance reviews
Real stories, real families
COVERED OVER $41,000 for cardiac issues and chronic liver disorder
“Trupanion has been there for our family through thick and thin. Great coverage; even better customer service. Kind, caring and compassionate.”
Alix Salyers, Chicago, IL
Covered over $12,000 for spinal surgery related to chronic disc issue
“Dani has had Trupanion Insurance all her life. She is 9 years old and has been a very athletic dog her whole life. Having insurance has allowed us to get the best health care, including chiropractic care. We’re very thankful we have Trupanion.”
Sheila Jweid-Webber Ballston Spa, NY
COVERED Over $37,000 paid for mass cell tumor and carcinoma
“Having Trupanion keeps us secure in the knowledge that Belle will receive top quality veterinary care without us feeling a significant financial impact. Trupanion also keeps the payment and reimbursement(when needed) process very simple, which eliminates any additional stress.”
James Kentris, Las Vegas, NV
COVERED Over $10,000 paid for joint surgery and treatment of Gastric dilation-volvulus syndrome (GDV)
“Trupanion has allowed my dogs to get the care they need. One of my dogs needed a total hip replacement. Without Trupanion, I would never have been able to afford to give her gold standard care. I would recommend Trupanion to nearly anyone who gets a new puppy.”
Stacie Anderson, Mount Laurel, NJ
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Cost per condition sourced from Vety.com June 2026.
