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 new unexpected injuries and illnesses your pet may face, 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 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.

Call us 24/7

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.

Get your pet's quote

Trupanion sample policy 

Trupanion's Customer Care Specialists are available 24/7 to walk you through our policy. Call 888.733.2685 to learn more about our one simple plan.

We'll give you a clear understanding of what you get when you enroll, because you shouldn't have to worry about "fine print" when it comes to your pet's coverage.


To view Trupanion's sample policy, please select the state you live in: