A woman hugs her dog.A woman hugs her dog.A woman hugs her dog.

Pets covered by Trupanion live longer, happier lives.*

Since 2000, Trupanion has been innovating pet medical insurance. Our staff is comprised of veterinarians, veterinary technicians, and doting pet owners, determined to make sure our policy has what it takes to serve you and your pets 24/7.

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*Based on a December 2020 Trupanion study analyzing third-party hospital claims data, comparing pets insured with a Trupanion policy to pets without a Trupanion policy.

Our policy is designed with your pet in mind

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All pets get the best coverage we have to offer under our one simple plan.

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Our plan covers 90% of actual veterinary costs for eligible claims once you meet the deductible.

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Your pet receives unlimited lifetime insurance coverage without caps.

Veterinarian hospital accepting pet medical insurance


Let us pay your bill directly to your veterinarian—just pay your portion and we take care of the rest.

What you get

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90% Coverage icon


90% coverage every time

No payout limits


No caps or limits on coverage

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Works with any veterinarian in the US or Canada

Veterinarian hospital accepting pet medical insurance


Easy claims - we can even pay your vet directly so you're not out of pocket

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24/7/365 customer support from our pet-loving team

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

How we're different

Your claim can be paid in minutes - or seconds - at checkout. No more waiting for reimbursement.


Our per condition deductible can help with chronic issues like allergies or diabetes


We cover the problems your pet is most likely to get - like breed-specific issues


You can enroll your pet at birth


Certified NAPHIA
member since 2007

Trupanion joined the North American Pet Health Insurance Association in its first year of existence. Our goal is to improve the care of the pets we love, and the lives of their caring pet owners.

Why is NAPHIA important?

  • Your pet’s best interests come first
  • You get an advocate for the fair treatment of you and your pet
  • You get transparency into the advancements pet health insurance industry

As a NAPHIA member, Trupanion openly shares information, supports animal welfare organizations, and works with federal and state regulators.

Not every pet health insurance provider is a member of NAPHIA.

Learn more about NAPHIA and their mission.

Get your pet's quote

Trupanion has reimagined traditional pet insurance

Since 2000, Trupanion has been innovating in the pet insurance industry. Our staff is comprised of veterinarians, veterinary technicians, and doting pet owners. We care passionately about pets and make sure our policy has what it takes to serve them and you.

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With our unique software, we can approve claims and pay your bill directly to the veterinary hospital within minutes. You and your veterinarian can simply focus on providing your pet with the best medical care, no matter what it takes.

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Since our founding, the Trupanion policy has paid out over $1 billion to help cats and dogs get the medical care they need. We don't cap coverage and have always offered to pay 90% of eligible claims – that’s just a part of our high-quality policy.

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We understand that protecting your pet isn't a 9 to 5 job. Rest easy knowing that no matter when your pet needs help, we'll be here to help you through it.

Meet the team

Marlo & Mochi Marlo & Mochi

Our growing team is made up of dog and cat lovers – in fact, hundreds of pets come to work with us at our Seattle HQ every day.

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We're here when you need us

Award-winning customer care specialists are standing by 24/7 to chat about policy details, walk you through the claims process, or provide you with a shoulder to lean on.

Put us to the test and call:


How Trupanion works

How it works: Trupanion can work for you in 4 easy steps.

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

You always get 90% coverage on eligible conditions with a Trupanion policy, but you still get to pick your price.
Customize your price

From pets to vets, Trupanion is here to help

Burmese mountain dog testimonial

“It is so wonderful not to stress over the cost of the  treatment plan my veterinarian hands to me. I can focus on what needs to be done to help my dog get healthy again.”  - Megan M.

Dr Joseph Zuckerman

“I will continue to recommend Trupanion to all my clients and I have confidence that my practice will grow along with Trupanion.”  - Dr. Joseph Zuckerman

Why wait?

Get your pet's quote