Dog insurance: a woman hugs a white, fluffy dog

Dog insurance: A woman hugs a fluffy, white, dog

Dog insurance: a woman holds a white, fluffy dog

Trupanion Dog Insurance

How does it work?

What does it cover?

How much does dog insurance cost?

When should I get insurance for my dog?

Why should I choose Trupanion?

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.

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.

Trupanion pet insurance (cat insurance and dog insurance) have waiting periods that last 5 days for injuries and 30 days for illnesses

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

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.

See our policy

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How much does dog insurance cost?

Each dog is unique, from their size to their energy level and tendencies, which is why our prices are unique to your dog's situation. The cost of dog insurance varies based on several factors specific to your dog, including:

Cost of dog insurance or cat insurance is determined by age (kitten insurance or puppy insurance), breed, gender, and the cost of veterinary care where you live

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. You can lower your deductible in your first 30 days, or increase it any time 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.

Learn more

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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.

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.

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

The Trupanion dog insurance policy picks up 90% of eligible veterinary costs, including hospital stays, diagnostic tests, medications, surgeries, and other treatments when your pup is ill or injured.

PICK WHAT YOU PAY

Looking to save a few bones? Pick a deductible that works for your family budget. Anywhere from $0 to $1,000, you’ll still be covered at 90% after it’s met.

EASY CLAIM PROCESS

65% of claims are settled the day we receive them—and 80% within 7 days. We try to reach out to you throughout the claims experience, and we also encourage you to check for updates in your online account.

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

If your dog needs care, we won't impose payout limits. We'll never cut off care or raise rates just because your dog is unlucky or develops a chronic condition.