90% coverage

The Trupanion plan covers 90% of actual veterinary costs for approved accident and illness claims, less the exam fee and optional deductible.* Full 90% coverage is available at any veterinary hospital, emergency care center, or specialty hospital.

Trupanion's policy covers all the big claims and you are responsible for routine care coverage.

Trupanion's pet health insurance policy does not cover expected veterinary costs (the ones that you can plan for) because we believe you should keep the dollars in your pocket rather than paying a pet insurance company to handle your check book. Dollar trading for routine veterinary visits would double monthly premiums without adding additional value. Instead, Trupanion's policy offers an affordable and practical type of medical insurance for cats and dogs that covers major costs that you can't anticipate.

Let's use an example: your new dog hasn't been himself lately. You bring him to the veterinarian and he's diagnosed with an illness commonly found in dogs between the ages of 1 and 3 (pneumonia). Due to his weak state, he requires several days in the emergency hospital. After a few weeks of medication, there is little improvement so lung surgery is performed.

As the bills continue to mount and surpass $7,000, you feel secure knowing that at least you have pet insurance. You wonder whether your insurance will cover such a substantial veterinary bill so you quickly call Trupanion. You discuss your policy coverage and payout levels, and are relieved to be reminded that your Trupanion pet health insurance policy has no caps or benefit schedules. Therefore, your current veterinary bills will be covered and all veterinary bills for this condition will continue be covered at 90%.

No surprises, just total protection for your unlucky dog or cat by Trupanion, when you need it most.

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


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