Your guide to how Trupanion can help your pup
When your dog gets sick or hurt, the last thing you want to think about is how much the veterinary care will cost. The best dog insurance helps protect you from that financial burden and makes sure you can focus on getting the best care possible.
Our dog insurance helps reimburse pet owners for unexpected injuries and illnesses their pets may develop, even hereditary and congenital diseases.
You pay for your pet’s routine and preventative care – the costs you can expect to pay as a dog owner.
We have one simple plan for every pet that reimburses 90%* of eligible expenses with no payout limits.
You’re fully covered after a waiting period of 5 days for injuries and 30 days for illnesses. (These waiting periods may be waived when activating a certificate.)
We could even pay your veterinarian directly so you aren’t waiting for a reimbursement check.
*Terms and conditions apply. See the full policy for details.
What dog insurance covers
What's covered
- Illnesses & injuries
- Breed-specific 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.
Extra coverage
The Trupanion policy 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 dog, provide extra coverage for alternative and rehabilitative therapies, and add extra protection for breeding dogs. They come at an additional cost.
What's not covered
- Exam fees
- Sales tax where applicable
- Wellness & prevention care
- Pre-existing conditions (an illness or condition which occurred or showed symptoms prior to your pet's coverage effective date)
We love informed decisions. See our policy for full coverage details.
IMPORTANT NOTE: No dog insurance provider offers coverage for pre-existing conditions. By insuring your dog 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.
Get unlimited and trusted coverage
How Trupanion dog insurance works
If your dog is sick, take them to any veterinarian, specialty center, or emergency hospital in the US, Canada, or Puerto Rico.
We can pay participating veterinarians directly or you can submit your claim online.
We reimburse 90%* of eligible expenses, no matter how high the cost. You are responsible for the non-eligible expenses, your deductible, tax, and the remaining 10%.
Our award-winning customer support team is standing by 24/7 just in case you have any questions or concerns.
*Terms and conditions apply. See the full policy for details.
How much Trupanion dog insurance costs
The price is different for every dog and depends on factors such as your dog’s age, breed, gender, and the cost of veterinary care in your area.
You can choose how much you pay each month by selecting a deductible ranging from $0 to $1,000. Your price is flexible. You can lower it any time by raising your deductible. Just give us a call!
WHY PAY FOR SOMETHING YOU EXPECT TO HAPPEN?
We leave the expected payments to you so we can provide top coverage when you need it most.
GET TO KNOW THE TRUPANION POLICY WHILE YOU'RE COVERED
We're confident you'll love us. But if you change your mind, just let us know within the first 30 days for a full refund (as long as we haven't paid a claim for you).
*Money back guarantee not applicable if you live in New York.
How does dog insurance work?
If your dog is sick or hurt take them to any veterinarian, specialty center, or emergency hospital in Canada, the US, or Puerto Rico and get them the treatment they need.
Rest assured knowing Trupanion has your back. When you file a claim,we’ll cover 90% of eligible healthcare expenses for your dog. You are responsible for any non-eligible expenses, your deductible, and the remaining 10%.
You’re only responsible for the routine and preventive care—the costs you expect to pay as a dog owner—but when it comes to the unexpected, we’ll be there for life.
Trupanion is the only company with the technology to pay your veterinarian directly in minutes at the time of checkout with our unique software
Our fastest claim was paid
in under 10 seconds!
Well over half of our claims are
submitted by veterinarians, which
means no paperwork for you!
According to Pet Insurance Reviews,
we are "the only provider that has
the option to pay vets directly
in 5 minutes or less."
How much does dog insurance cost?
You control your monthly price by customizing your deductible
Once you get a quote, choose your dog's monthly price by selecting a deductible from $0 to $1,000. The deductible is the amount you’ll be responsible for before your coverage starts. This gives you the flexibility to find a price that fits your budget. You can lower your deductible in your first 30 days, or increase it any time by giving us a call.
If you'd like to know what deductible is best for your pet, we recommend giving us a call so we can chat about your pet's specific details.
Your price will never automatically increase just because your pet gets older
Over the life of your dog, you may see periodic adjustments to your dog's premium, which may be an increase, a decrease, or not change at all.
You will never see an automatic increase to your premium as a result of filing a claim or because your pet gets older. We 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.
With most other companies, your rate can spike 2-4 times higher just because your pet goes from a puppy to a senior dog.
Most pet insurance providers offer 5 or fewer deductible options, whereas a Trupanion policy covers over 100 options. We're available 24/7 to help you pick the best monthly price for your pet's needs.
Some companies can reduce your coverage options or increase your rates just because you actually used the insurance and submitted claims. Trupanion doesn't punish you for filing claims.
What makes Trupanion dog insurance special
Vet Direct Pay. We can pay your pet’s eligible veterinary bills directly to participating hospitals. All you have to do is pay your portion of the bill at checkout.
No birthday pricing. We price for life at enrollment and don’t automatically increase your pet’s rate as they get older.
We don’t punish unlucky pets. We don’t punish you for using your insurance. We will never raise your rate just because your pet gets sick or injured.
Loved by veterinarians. Veterinarians around the country recommend Trupanion, because they know that we care passionately about pets and that our policy has what it takes to serve cats, dogs, and you.
How do I know if dog insurance is right for my pet?
If you're still not sure if Trupanion is the right decision for you and your pet, we encourage you to continue your research. You can look into what makes Trupanion stand out, and research other companies.
We recommend that you:
TALK TO
A FRIEND
Though pet medical insurance is relatively new, over 50% of people we surveyed who are interested in Trupanion know someone with insurance.
DISCUSS WITH YOUR VETERINARIAN
Review the 9 guidelines veterinarians recommend insurance companies follow and ask your vet for their opinion.
RESEARCH OTHER PROVIDERS
Pay attention to any limits on potential payouts, or restrictions in coverage.
REVIEW PRE-EXISTING CONDITIONS
If you're enrolling an older pet, you'll need a sense of what conditions may not be covered.
See how Trupanion stands out from the pack
Deductibles
Read more >
Pet insurance comparison
Read more >Savings accounts
Read more >
Testimonials
Read more >
See how Trupanion stands out from the pack
Deductibles
Read more >Pet insurance comparison
Read more >Savings accounts
Read more >Testimonials
Read more >If you're ready to continue
If you think a Trupanion policy could help your pet, your next step is choosing your monthly price and deductible. Our pet-loving team is here 24/7 to answer your questions and help you find a quote that works for you and your pet.
- When surveyed, 97% of people who called in did not feel pressured to buy
- Our average quote call takes 5 minutes
- We have a pet-loving team who can walk you through our deductible options
Call us 24/7 to learn more
Our staff is comprised of veterinarians, veterinary technicians, and doting pet owners who would love to hear from you.
We love informed decisions. See our policy for full coverage details.