From nose to toes, your pet is covered
With a Trupanion policy, all pets get coverage for unexpected injuries and illnesses. We'll cover:
- Hereditary conditions your breed is prone to inheriting
- Unidentified issues, even if your pet doesn't have an official diagnosis
- Congenital conditions your pet developed before birth
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.”
Simply put, a Trupanion policy covers the medical expenses of new 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
Just know that our policy isn't designed to cover the things that happened before you became a member. Conditions that showed signs during waiting periods or before you enrolled are considered pre-existing and are not eligible for coverage.
We'll cover conditions your pet has developed before birth.
Examples:
- Heart disease
- Nervous system issues
- Cataracts
- Liver disease
We'll cover conditions your breed is prone to inheriting.
Examples:
- Elbow and hip dysplasia
- Diabetes
- Upper respiratory infections
- Thyroid disease
Even if your pet doesn't have an official diagnosis, we'll cover you.
Examples:
- Vomiting
- Diarrhea
- Cough
- Change in weight
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, the Trupanion policy has paid over $1 billion to members to help with medical procedures related to all of these conditions:
FOR CATS
FOR DOGS
| Kidney disease | Emesis |
| Urinary tract infectious disease | Diabetes |
| Hyperthyroidism | Inflammatory bowel disease |
| Vomiting and diarrhea | Lymphoma |
| Weight decreased | Allergy |
| Pancreatitis | Mass |
| Upper respiratory infection | Dental disease |
| Otitis | Constipation |
| Arthritis | Cariomyopathy |
| Asthma | Medical notation |
| Inappropriate urination | Heart murmur |
| Loss of appetite | Cough |
| Decrease in appetite | Conjunctivitis |
| Congestive heart failure | Lameness and limping |
| Gastroenteritis | Blood in urine |
| Lethargy | Urinary obstruction |
| Ingestion of foreign material | Anemia |
| Crystalluria | Behavior notation |
| Seizure | Abscess |
| Dysuria | Overweight |
| Urolithiasis | Fracture |
| Corneal ulcer | Sneezing |
| Pain | Feline oral resorptive lesion |
| Broken Tooth | Dermatitis |
| Prescription Diet Dispensed | Infection |
| Extraction | Stomatitis |
| Hypertensive disorder | Polyuria and polydipsia |
| Soft stool | Herpesvirus infection |
| Laboratory Values out of reference range | Resorptive lesions |
| Fever | Gingivitis |
| Gastritis | Alopecia |
| Pyelonephritis | Bite Wound |
| Dermatophytosis | Wound |
| Mast Cell Neoplasm | Giardiasis |
| Hematochezia | Eosinophilic Granuloma Complex |
| Laceration | Cholangiohepatitis |
| Resorptive lesion | Respiratory distress |
| Feline infectious peritonitis | Carcinoma |
| Colitis | Azotemia |
| Acute renal insufficiency | Rhinitis |
| Bronchitis | Adenocarcinoma |
| Fever of unknown origin | Back pain |
| Irritable colon | Acne |
| Pollakiuria | Pruritus |
| Liver disease | Lesion |
| Pleural effusion | Elevated kidney parameters |
| Gastrointestinal disease | Portal triaditis |
| Discharge | Trauma |
| Traumatic injury | MPL - Medial patellar luxation |
| Obese | Squamous cell carcinoma |
| GI upset | Glaucoma |
| Polydipsia | Nausea |
| Obstruction | Fibrosarcoma |
| Tumor | Liver inflammation |
| Swollen | Uveitis |
| Pyoderma | Pneumonia |
| Hypothyroidism | Enteritis |
| Neoplastic disease | Swelling |
| Wheezing | Hepatopathy |
| Thrombocytopenia | Cardiomegaly |
| Family Liliaceae poisoning | Epilepsy |
| Trichobezoar | Behavior modification aid |
| Infestation by Otodectes cynotis | Hypokalemia |
| Steatosis of liver | Ataxia |
| Cyst(s) | Leukopenia |
| Conduction disorder of the heart | Feline eosinophilic granuloma |
| Osteosarcoma | Eruption |
| Pemphigus | Dyspnea |
| Cardiac disease | Multiple myeloma |
| Blockage of ureter | Hematemesis |
| Intervertebral disc disorder | Intestine thickened |
| Irritation | Loss of hair |
| Coccidiosis | Kidney stone |
| Spondylosis | Itchy |
| Soft tissue injury | Cat fight |
| Flea allergy dermatitis | Chronic large intestinal diarrhea |
| Epistaxis | Urinary incontinence |
| Hypoadrenocorticism (Addison's disease) | Tapeworm infection |
| Cruciate Rupture (ACL, CCL) | Megacolon |
| Splenomegaly | Growth(s) |
| Renal changes | Excessive salivation |
| Nephritis | Chylothorax |
| Tachypnea | Inflammation of anal sac |
| Dehydration | Herpes conjunctivitis |
| Scratching | Broken nail |
| Inappropriate defecation | Lymphadenopathy |
| Kidney changes | Hyporexia |
| Puncture wound | Discharge from nose |
| Ulcer | Non-healing wound |
| Intoxication | Hyperglycemia |
| Keratitis | Nasal Congestion |
| Pyotraumatic dermatitis | Inflammation |
| Feline upper respiratory virus | Lipoma |
| Hit By Car | Conjunctival discharge |
| Urinary crystal, magnesium ammonium phosphate | Hexahydrate |
| Polyp | Leukocytosis |
| Allergy | Otitis |
| Vomiting and diarrhea | Lameness and Limping |
| Emesis | Mass |
| Arthritis | Cruciate Rupture (ACL, CCL) |
| Urinary tract infectious disease | 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 | Laboratory Values out of reference range |
| 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 |
| 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 |
| 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 |
We mean it when we say we cover all unexpected injuries and illnesses.
We have covered thousands of medical conditions for thousands of pets
Since our founding, the Trupanion policy has paid over $1 billion to members to help with medical procedures related to all of these conditions:
| 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 Keiser, 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.
What about wellness care and exam fees?
We have made a deliberate choice not to cover wellness and preventive care or exam fees.
When it comes to wellness care, we don't believe that we should 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.
Exam fees are similar to wellness. An exam fee is the administrative cost that you know will occur each time you take your pet to the veterinarian, whether it's for a routine checkup or something new. We're here for the unexpected, and when you take your pet in for an exam, the associated fee is an expected cost. Because of this, we do not cover any exam fees.
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
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.
How we compare
All unexpected injuries and illnesses
VPI/NATIONWIDE
- Major Medical plan does not cover congenital or hereditary conditions (the things most likely to happen to certain breeds).
- In all plans other than Whole Pet with Wellness, no coverage for cruciate ligament injuries until 12 months after enrollment.
- Even if they choose to not enforce this term in their policy, can deny conditions previously covered at annual renewals.
HEALTHY PAWS
- No coverage for hip dysplasia until 12 months after enrollment. Hip dysplasia can be extremely costly to treat once diagnosed, and is most often diagnosed at a young age. A Golden Retriever, for instance, is 3.4x more likely than the average dog to be diagnosed with hip dysplasia before they are a year old. If hip dysplasia is not diagnosed and treated as soon as possible, it can lead to the need for total hip replacement.
- No coverage for supplements, vitamins, or food.
- No coverage for dental illness.
- Coverage options at enrollment may be reduced based on a pet’s breed
EMBRACE
- No coverage for orthopedic issues until 6 months after enrollment. Orthopedic issues can include hip dysplasia, cruciate ruptures, and luxating patellas. Six months may not seem like a long time to wait, but we’ve found that both cruciate ruptures and luxating patellas are two of Trupanion’s commonly claimed conditions and some of the most costly to treat. A Labrador Retriever between the ages of 2 and 7 years old, for instance, is 80% more likely than the average dog to experience a cruciate rupture, and treatment will likely cost the pet owner nearly $4,000.
- Dental coverage limited to $1,000 per year (the coverage is available in most states).
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.
"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