A dog and a cat touch nosesA dog and a cat touch nosesA dog and a cat touch noses

From nose to toes, your pet is covered

With a Trupanion policy, dogs and cats get coverage for unexpected injuries and illnesses.

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Pets deserve the best, most comprehensive coverage

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.

A Trupanion policy covers unexpected injuries and illnesses, including:


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


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


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


  • Vomiting
  • Diarrhea
  • Cough
  • Change in weight


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


  • 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 love informed decisions. See our policy for full coverage details.

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.

Is medical insurance right for your pet?

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We want pets to have the best possible care

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.

Trupanion was chosen #1 in America by veterinarians because we strive to have the most extensive coverage of all pet insurance companies.

A cat and dog silhouette in a blue circle

"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

veterinarian testimonial

"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

Source: Survey commissioned by dvm360, from April 19-June 9, 2022. Read more.

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