Common questions for puppy owners
What is puppy insurance? When's the best time to get puppy insurance? How much does puppy insurance cost? What does puppy insurance cover? What's not covered with puppy insurance? Do I need puppy insurance? How does puppy insurance work?Information for responsible puppy breeders
Dog insurance for breeders Trupanion's Breeder Support Program - puppy insurance for littersCongratulations on your new puppy!
You’re embarking on an exciting adventure as your pup grows up. And while you can’t predict the future, you can prepare for it. Dog and puppy insurance helps protect you from financial hardships when your dog gets sick or hurt.
If you feel confused or uninformed about medical insurance for pets—you are not alone (most new pet owners haven’t even heard of it.) To help you out, we answered the most commonly asked questions to help you decide if a Trupanion policy is right for you (hint, we think it is).
If you have questions, give us a call. Our Member Experience team is available 24/7 at 855.591.3100.
“It’s so wonderful to not stress over the cost of the treatment plan my veterinarian hands me. I can focus on what needs to be done to help my dog get healthy again.”
- Megan M.
What is puppy insurance?
Simply put, puppy insurance gives you one less thing to worry about. You never know what curve ball life might throw, and when it comes to your puppy’s health, you want to be prepared. After all, nobody wants to get stuck with unexpected veterinary bills that may cost you thousands of dollars.
With a Trupanion policy, you won’t have payout limits, and we'll never cut off care or raise rates just because your dog is unlucky or develops a chronic condition. We cover eligible costs for all new injuries and illnesses, including emergency care, surgeries, and other unexpected costs pet parents face every day. And we're here to help 24/7 (because as any pet owner knows, emergencies don’t only happen during typical business hours).
When's the best time to get puppy insurance?
The best time to get insurance is while your dog is a puppy because you’ll get the best value out of your coverage:
- More coverable conditions: The younger the pet, the less likely they are to have pre-existing conditions. That means more coverable conditions in case something happens. Please note that there are no pet insurance providers that cover pre-existing conditions, so the sooner you enroll, the better.
- Lowest cost: With a Trupanion policy, we base your monthly cost for life on your puppy’s age when they enrolled. That means if you enroll your pet when they’re a puppy, they’ll always be priced as a puppy — even when they’re a senior dog.
How much does puppy insurance cost?
We want our members to be comfortable with their monthly cost, so we put the power in your hands. With our flexible deductible, you can find a monthly cost that works for your budget. After all, it’s easier to budget for a regular monthly cost than a large, unexpected veterinary bill.
What does puppy insurance cover?
Trupanion puppy insurance provides protection for all new injuries and illnesses. Here are some of the things covered by a Trupanion policy:
Diagnostic tests
Surgery
Medication
Hospitalization
Supplements
Prosthetic devices
Carts
And more!
Diagnostic tests
Surgery
Medication
Hospitalization
Supplements
Prosthetic devices
Carts
And more!
What's not covered with puppy insurance?
A few things a Trupanion policy does not cover are:
- Wellness care (vaccines, spay/neuter, flea and tick prevention, etc.)
- Pre-existing conditions
- Exam fees
Do I need puppy insurance?
While we’re obviously a little biased…. our answer is yes, you need puppy insurance. Allow us to tell you why.
In short, we’re pet owners just like you, so we understand how stressful it is when your beloved pet is sick or hurt. Puppy insurance helps remove the stress of wondering if or how you’re going to pay for their care. It’s much easier to budget for a monthly cost than a large, unexpected bill.
An insurance policy with Trupanion is like a bottomless bank account for those large (and small), unexpected vet bills—so you get peace of mind knowing your pet can get the care they need when they’re sick or hurt.
How does puppy insurance work?
Puppy insurance with a Trupanion policy is pretty straightforward. Members pay a monthly cost to get coverage for all new injuries or illnesses during the lifetime of your pet. Here’s how puppy insurance works when your pets gets sick or hurt:
Take your puppy to any veterinarian in the US, Canada, or Puerto Rico.
Get your pet the care they need.
Submit your invoice online (your veterinarian might take care of this for you).
We’ll process your invoice and pay our portion of the bill.
How do I get puppy insurance?
Getting started is easy, just give us a call anytime! You can also get a quote online in just a few minutes. Tell us about your pet and we’ll show your quote right away. It’s that simple!
See why almost 99% of our members stay with us every month.
Insurance for responsible breeders & their litters
Dog insurance for breeding pets
Regardless of if you breed purebred or designer breed puppies, you can add protection for breeding pets when you enroll in a Trupanion policy for an additional cost.
You must add this coverage to your policy before your dog is pregnant. This added coverage protects your pet for all new illnesses and injuries related to breeding and whelping.
If you’d like to get a Trupanion policy with (or without) breeding coverage for your dog, give us a call. Signing up is quick and easy, and we’re available 24/7 to answer any questions and get started.
Trupanion's Breeder Support Program - Puppy insurance for your litters
If you’re a breeder and want to help buyers avoid financial surprises, so they can keep their puppy happy and healthy for years to come, join our Breeder Support Program!
Our program is designed for quality breeders to send their litters home protected with an offer to try puppy insurance—plus plenty of other perks. And there is absolutely no cost to join!