Pet insurance... superpowered


Because your best friend deserves the best healthcare

right-iconUnlimited payouts for life

right-iconYour vet bills paid directly in seconds

right-icon#1 in America, trusted by vets and pet parents

Do you have an offer from your veterinarian or breeder?

Take just a few minutes to activate your Exam Day Offer or Go Home Day Offer and get immediate coverage for your pet.

Truly unlimited coverage with the world’s fastest payouts

No caps ever

We never limit the amount we pay out, so your pet can always get the best care.

The fastest payouts

The world’s only provider to pay vet bills in real-time at checkout — no waiting, no worries.

Trusted by vets

Over 25 years of helping vets treat pets, with $2 billion paid and counting!

Loved by 1 million pet parents

8 out of 10 members say our coverage helped save their pet’s life.

Coverage you can
count on 24/7/365

Your pet means everything to you. So we provide everything they need. A Trupanion policy includes all of this.

Hereditary conditions

Unidentified issues

Unexpected injuries

Diagnostic tests

Breed-specific conditions

Advanced dentistry


Hospital stays


Veterinary supplements

Herbal therapy

Prescription food

No more claims. We pay first. Vet Direct Pay™

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We’re the world’s first (and only!) pet insurance provider to offer direct payment at checkout. No waiting. No hassle. No worries.

Your pet gets the treatment they need

Our software sends us the bill in seconds

We pay the vet directly at checkout

Discover Vet Direct Pay™

Here to answer every call, woof, and meow

We all know how different dogs and cats are, but we believe insurance should protect every pet against unexpected injuries and illnesses.

Dog Insurance

Dog Insurance

For all breeds and sizes

Cat Insurance

Cat Insurance

For indoor and outdoor cats

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Saving the day for pet parents like you

Read our reviews and find out why over 99% of members renew with us.

Frequently asked questions

No, your coverage percentage will never be reduced if your pet is referred to a specialist or emergency animal hospital. We want your furry friend to get the care they need!

Any one you like! Some pet health insurance providers limit you to a “veterinary network” of animal hospitals, but we believe your pet deserves the best care regardless of location. With Trupanion, you're free to go to any licensed veterinarian in the United States, Canada, or Puerto Rico.

No, and that's because we want to make sure your coverage goes where it counts the most. By covering all eligible new and unexpected illnesses and injuries (instead of routine costs like wellness visits and preventative care) we enable you to budget more easily for your pet's care.

No, and that's because we go above and beyond traditional pet insurance. Instead of relying on discounts and other gimmicks from reduced coverage or increased general rates, we provide quality pet medical insurance at the best-value premiums possible from the get-go.

Yes. Although some pet insurance providers do not cover hip dysplasia, this coverage is built into Trupanion's core coverage. Both large and small dogs may develop this genetic disorder, and our medical insurance will cover it as long as it is not pre-existing.
Read more frequently asked questions