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A Trupanion policy helps provide peace of mind



To get comprehensive coverage without complexity.



To ease your financial commitment in a time of worry.



To get your pet the best care, whatever the cost.



So you don't wait for reimbursement checks.

How we determine your monthly cost

A premium, or monthly cost, is the amount a pet owner pays every month for their dog or cat’s medical insurance coverage. This number is determined by looking at a few different factors:
Cats and dogs are priced based on pet age, breed, location, deductible, and gender.

Who determined my monthly cost?

We’re proud to be a data-driven company with a team of licensed experts who ensure appropriate pricing for all pets. Our team of actuaries focus on pet medical insurance exclusively instead of also pricing human health or other types of insurance. This gives us a key advantage in understanding the cost of veterinary care. 

What makes Trupanion pricing different?

Trupanion is unique because we are one of the only pet medical insurance companies to always use your pet’s age at enrollment to determine your policy’s price.

Most other pet insurance companies use what is called “birthday pricing.”

Birthday pricing means that an insurer is likely to automatically raise your rates when a pet has a birthday, on top of any rate changes for inflation or other factors. Not our favorite way to celebrate.

In our eyes your pet will always be the age they were when they enrolled.

For example, if your dog enrolls when they’re 8 weeks old, we’ll price them as a an 8-week old for their entire life. They’ll be a puppy forever—both in your heart and your insurance premium.

Can my monthly cost change?

Sure, just because we don’t use birthday pricing doesn’t mean your monthly cost will always stay the same. In fact, you can expect your premium to change due to the cost and use of advanced veterinary care in your area.

This means that sometimes prices go up, sometimes they stay about the same, and sometimes they even go down.

Fun fact: last year we reduced the rates for several breeds like Shih Tzus, Chihuahuas, and Yorkshire Terriers because our data showed that their utilization of care was different than we had first expected.

Prices increase so that we can continue helping all pets receive high-quality care. We’re devoted to providing our members the value that we promise. That means we pay out all eligible claims at 90% with no limits or caps, and our policy is priced to protect that commitment.

Still curious about how Trupanion can work for you? We’re here 24/7/365 to provide support and answers to pet owners.

Get your pet's quote

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

See how Trupanion stands out from the pack

See how Trupanion stands out from the pack