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Pet insurance reinvented

Vet Direct Pay has made waiting on reimbursement checks a thing of the past

We offer Vet Direct Pay at participating hospitals, allowing us to pay claims in as little as 5 minutes. Imagine no more paying out of pocket, submitting paper claims, and then waiting for approval and reimbursement.

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QUICK AND EASY CHECKOUT

Find out the status of your claim and what is covered in minutes

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NO MORE PAPERWORK

Say goodbye to filing claims and waiting for reimbursement checks

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AFFORDABLE CARE

Pay only your portion and we pay the rest directly to your veterinarian


webster-testimonial

"When we picked Webster up from the veterinarian and got our bill, Trupanion paid its portion (90%), and we only had to cover the deductible and remaining 10% of costs. This was such a relief because we didn't have to cover Webster's entire bill out of pocket - instead, we could focus on his recovery."


"Out of a $64,000 claimed veterinary bill, Trupanion covered the eligible $57,000 and truly have no limit. They were there for Amethyst no matter what – they even paid directly to the hospital! I wouldn’t have my Amethyst if it wasn’t for Trupanion."

Amethyst testimonial
Amethyst testimonial

"Out of a $64,000 claimed veterinary bill, Trupanion covered the eligible $57,000 and truly have no limit. They were there for Amethyst no matter what – they even paid directly to the hospital! I wouldn’t have my Amethyst if it wasn’t for Trupanion."


Our policy is designed with your pet in mind

No Birthday Pricing icon

We don’t automatically raise rates just because your pet gets older.

90% Coverage Icon

We reimburse all eligible claims at 90% with no caps or limits on how much we’ll pay.

No claim penalties icon

We will never raise your pet’s rate when you use our insurance and file claims.

Terms and conditions apply. See the full policy for details.



Our policy is designed with your pet in mind

No Birthday Pricing icon

We don’t automatically raise rates just because your pet gets older.

90% Coverage Icon

We reimburse all eligible claims at 90% with no caps or limits on how much we’ll pay.

No claim penalties icon

We will never raise your pet’s rate when you use our insurance and file claims.

Terms and conditions apply. See the full policy for details.

Trupanion provides more than other pet insurance companies

VPI/Nationwide can drop your coverage if you file too many claims. The Trupanion policy will never drop your coverage or penalize you for filing claims.

Healthy Paws limits coverage for older pets. The Trupanion policy does not discriminate based on age.

Embrace makes you wait 6 months for full policy coverage. The Trupanion policy has a standard waiting period of 30 days.

Plus, Trupanion pet health insurance is the only company who can reimburse veterinarians directly with our unique software system.

VPI/Nationwide can drop your coverage if you file too many claims. The Trupanion policy will never drop your coverage or penalize you for filing claims.

Healthy Paws limits coverage for older pets. The Trupanion policy does not discriminate based on age.

Embrace makes you wait 6 months for full policy coverage. The Trupanion policy has a standard waiting period of 30 days.

Plus, Trupanion pet health insurance is the only company who can reimburse veterinarians directly with our unique software system.


We offer a deductible that works for you

Our deductible was invented to help your pet and protect your wallet. We think it’s important for you to know exactly how you benefit from a Trupanion policy that features a lifetime per condition deductible that you can change when necessary.

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A Trupanion policy is unique because we offer a lifetime per condition deductible. You pay a deductible only when your pet develops a new condition.

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Once your deductible is paid, your policy begins paying out at 90%* for anything related to that condition for the rest of your pet’s life.

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Most pet insurance companies offer an annual deductible. However, we are against making owners pay multiple times for a condition that is diagnosed once.

Terms and conditions apply. See the full policy for details.

We offer a deductible that works for you

Our deductible was invented to help your pet and protect your wallet. We think it’s important for you to know exactly how you benefit from a Trupanion policy that features a lifetime per condition deductible that you can change when necessary.

icon-lifetime-conditions

A Trupanion policy is unique because we offer a lifetime per condition deductible. You pay a deductible only when your pet develops a new condition.

icon-purple-90

Once your deductible is paid, your policy begins paying out at 90%* for anything related to that condition for the rest of your pet’s life.

icon-annual-deductible

Most pet insurance companies offer an annual deductible. However, we are against making owners pay multiple times for a condition that is diagnosed once.

Terms and conditions apply. See the full policy for details.



Plus, you get top coverage for the things your pet is most likely to experience

You're covered for


All illnesses and injuries, such as:

  • Bite wounds

  • Foreign body ingestion

  • Patella luxation

  • Allergies

  • Kidney disease

  • Upper respiratory infections

  • Urinary obstructions

All conditions your breed may be prone to (hereditary and congenital) such as:

  • Cherry eye

  • Diabetes

  • Hip dysplasia

  • Thyroid disease

  • Cancer

  • Heart disease

Miscellaneous

  • Diagnostic tests

  • Surgeries

  • Hospital stays

  • Medications

  • Veterinary supplements

  • Herbal therapy

  • Prosthetic devices and carts

Terms and conditions apply. See the full policy for details.

Plus, you get top coverage for the things your pet is most likely to experience

You're covered for


All illnesses and injuries, such as:

  • Bite wounds

  • Foreign body ingestion

  • Patella luxation

  • Allergies

  • Kidney disease

  • Upper respiratory infections

  • Urinary obstructions

All conditions your breed may be prone to (hereditary and congenital) such as:

  • Cherry eye

  • Diabetes

  • Hip dysplasia

  • Thyroid disease

  • Cancer

  • Heart disease

Miscellaneous

  • Diagnostic tests

  • Surgeries

  • Hospital stays

  • Medications

  • Veterinary supplements

  • Herbal therapy

  • Prosthetic devices and carts

Terms and conditions apply. See the full policy for details.

Start Your Quick Quote

  • Oops you forgot the most important thing, your pet's name!

  • Don't forget to choose your pet's age

  • Not sure of your pet's breed? Please let us know which breed most closely matches your pet

  • Please enter your zip code. This helps us calculate your premium more accurately

    Invalid ZIP code. Entering a Canadian postal code? Use the country selector at the bottom of this page to switch to our Canada site.

  • Please enter a valid email address


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Insurance starts for puppies & kittens from 8 weeks of age
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If your puppy or kitten is younger than this, please call 855.591.3100 or email us & we will get right back to you to arrange coverage.

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