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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.”

Terms and conditions apply. See the full policy for details

Our one simple policy was designed to cover all of your pet's medical needs

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

HEREDITARY CONDITIONS

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

Examples:

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

UNIDENTIFIED ISSUES

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

Examples:

  • Vomiting
  • Diarrhea
  • Cough
  • Change in weight

CONGENITAL CONDITIONS

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

Examples:

  • 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

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

Examples:

  • Elbow and hip dysplasia
  • Diabetes
  • Upper respiratory infections
  • Thyroid disease
UNIDENTIFIED ISSUES
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CONGENITAL CONDITIONS
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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

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, we have paid over $590 million to Trupanion members to help with medical procedures related to all of these conditions:

FOR CATS

FOR DOGS

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

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

Allergy
Otitis
Vomiting and diarrhea
Lameness and Limping
Emesis
Mass
Arthritis
Cruciate Rupture (ACL, CCL)
Urinary tract infectious disease
Laboratory Values out of reference range
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
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 (flap)
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
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
Hyperthyroidism
Asthma
Urinary Obstruction
Feline oral resorptive lesion
Stomatitis
Herpesvirus infection
Resorptive lesions
Gingivitis
Pyelonephritis
Dermatophytosis
Eosinophilic Granuloma Complex
Cholangiohepatitis
Feline infectious peritonitis
Acute renal insufficiency
Rhinitis
Irritable colon
Acne
Pleural effusion
Gastrointestinal disease
Portal triaditis
Squamous cell carcinoma
Polydipsia
Obstruction
Fibrosarcoma
Wheezing
Family Liliaceae poisoning
Trichobezoar
Behavior modification aid
Infestation by Otodectes cynotis
Hypokalemia
Steatosis of liver
Leukopenia
Feline eosinophilic granuloma
Pemphigus
Dyspnea
Cardiac disease
Multiple myeloma
Blockage of ureter
Intestine thickened
Loss of hair
Kidney stone
Cat fight
Flea allergy dermatitis
Epistaxis
Tapeworm infection
Megacolon
Splenomegaly
Renal changes
Excessive salivation
Nephritis
Chylothorax
Tachypnea
Dehydration
Herpes conjunctivitis
Scratching
Inappropriate defecation
Kidney changes
Hyporexia
Discharge from nose
Ulcer
Non-healing wound
Hyperglycemia
Keratitis
Nasal Congestion
Feline upper respiratory virus
Conjunctival discharge
Urinary crystal, magnesium ammonium phosphate hexahydrate
Polyp
Anterior uveitis
Leukocytosis
Dental calculus
Distension
Obstipation
External tooth resorption
Feline leukemia virus infection
Idiopathic hypercalcemia
Infection due to Toxascaris
Epiphora
Infiltrative disease
Feline hyperesthesia syndrome
Over grooming
Labored breathing
Periodontitis
Congested
Miliary dermatitis
Thromboembolic disease
Plasma cell pododermatitis
Malaise
Vestibular disease
Chin pustule

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

Stith Kesiser, 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.


One thing we will not cover is wellness care

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

Our philosophy is, why should we 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.

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


All unexpected injuries and illnesses

VPI/NATIONWIDE
  • Excludes over 182 conditions from most of their plans.
  • The majority of plans do not cover congenital or hereditary conditions (the things most likely to happen to certain breeds).
  • Can deny conditions previously covered at annual renewals.
HEALTHY PAWS
  • No coverage for hip dysplasia until 12 months after enrollment.
  • No coverage for supplements, vitamins, or food.
  • No coverage for dental illness.
EMBRACE
  • If your pet has shown symptoms of diabetes, Cushing's disease, Addison's disease, or FeLV/FIV before enrolling, there is no coverage at all for illnesses.
  • No coverage for dental illness.
Trupanion

All unexpected injuries and illnesses

VPI/NATIONWIDE

  • Excludes over 182 conditions from most of their plans.
  • The majority of plans do not cover congenital or hereditary conditions (the things most likely to happen to certain breeds).
  • Can deny conditions previously covered at annual renewals.

HEALTHY PAWS

  • No coverage for hip dysplasia until 12 months after enrollment.
  • No coverage for supplements, vitamins, or food.
  • No coverage for dental illness.

EMBRACE

  • If your pet has shown symptoms of diabetes, Cushing's disease, Addison's disease, or FeLV/FIV before enrolling, there is no coverage at all for illnesses.
  • No coverage for dental illness.

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.




dog-cat-sil-blue-icon

"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


"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

vet-testimonial-circle
dog-cat-sil-blue-icon

"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


vet-testimonial-circle

"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



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