What is dog insurance?
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 health insurance helps protect you from that financial burden and makes sure you can focus on getting the best care possible. Whether your dog encounters a minor incident, like an unfortunate meeting with a porcupine or a stumble down the stairs, or develops a serious medical condition like hip dysplasia or cancer, the Trupanion policy is there to cover 90% of all eligible healthcare expenses.
In a world of advanced veterinary care, the best coverage gives you the financial ability to care for your family member, and we can do that.
How does dog insurance work?
Dog health insurance is simple with Trupanion. You pay a monthly premium in order to be covered for any unexpected illnesses or injuries throughout your dog’s life.
If your dog is under the weather 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.
The Trupanion policy has no payout limits per condition, per year, or for the lifetime of your dog. If you have an unlucky dog that has a lifetime of serious health conditions or ongoing care, you will never see a cap on how much we pay for your claims.
What does dog medical insurance cover?
Simply put, we provide one simple plan that covers 90% of your unexpected veterinary costs. This includes hospital stays, diagnostic tests, medications, surgeries, and other treatments that arise when your canine friend is sick or hurt. The 90% coverage kicks in after you meet your deductible, and there are no limits on the amount we reimburse.
Basically, almost every type of injury or illness is eligible for coverage, so long as it is not considered pre-existing. We do not exclude any conditions or breed-specific ailments. We even cover hereditary and congenital conditions, provided signs were not evident before your enrollment date. That means if your dog pulls a muscle, develops allergies, or is diagnosed with hip dysplasia or lymphoma, we’ll be there. Tears a CCL? We’ll cover it. Arthritis? We’ve got it covered. Eats chocolate? We’ve covered it before and we’ll do it again. Hit by a car? We’re there for you.
What's covered
- Illnesses & injuries
- Hereditary & congenital 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.
What's not covered
- Exam fees
- Sales tax where applicable
- Wellness & preventive care
- Pre-existing conditions (an illness or condition which occurred or showed symptoms prior to your pet's coverage effective date)
Extra coverage
You can customize your monthly price by changing your deductible
Once you get a quote, choose your dog's monthly premium by selecting a deductible from $0 to $1,000. This is the amount you’ll be responsible for before your coverage starts. This gives you the flexibility to set a monthly premium that fits your budget. Plus, you can change your deductible at any time simply by giving us a call.
What might cause my premium to change?
Over the life of your dog, you may see periodic adjustments to your dog's premium, which may be an increase, a decrease, or no change at all. Premium changes are due to the average cost of dogs similar to yours based on our claims experiences and inflation.
You will never see an automatic increase to your premium as a result of filing a claim. We know that you have no control over whether your canine friend gets sick or injured, which is why we don't penalize a policyholder with increased premiums solely because their dog filed a claim.
When should I get health insurance for my dog?
The best time to think about insurance for your dog is when they are a puppy or young adult. Every dog is prone to certain types of illnesses and injuries in each stage of life so it’s important to be prepared every step of the way.
TIP: 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.
Why should I choose Trupanion?
The Trupanion policy can help protect your dog and your finances.
We know the choice of selecting a provider can be daunting, but there are a number of reasons why the Trupanion policy is a great choice for your dog.
90% COVERAGE
PICK WHAT YOU PAY
EASY CLAIM PROCESS
YOU CHOOSE YOUR VET
Whether you visit your current veterinarian or a specialty hospital, the Trupanion policy has you covered at any veterinary practice in Canada, the US or Puerto Rico, and in many cases, can pay claims directly to the hospital.
NO PAYOUT LIMITS
AWARD-WINNING CUSTOMER CARE
All it takes to get started is to: