Why wait for reimbursement when you don't have to?
Nearly 1 in 2 pets need unexpected care before their first birthday. With Trupanion, you can have up to 90% of your vet bill paid instantly at checkout. And even if your vet doesn't have our software, nearly 2 out of 3 invoices are processed in less than 24 hours.
See how Trupanion helped Dory
Dory, a 2-month-old toy poodle, ate something hazardous 2 weeks into her Trupanion trial.
Based on the invoice:
$2,917
Trupanion paid:
$2,375
Dory's owner paid:
$542
Total invoice based on a real member plan with 90% coverage on eligible costs and a $250 deductible applied. See our policy for full coverage details.


Low prices often mean low-quality coverage
You may feel drawn to providers that offer low rates, but be careful of this bait-and-switch. A cheap monthly price will likely increase substantially in the near future and can come with a catch.
At Trupanion, pets always come first. That's why we can confidently say “NO” to the following questions.
Will my coverage reduce over my pet's lifetime?
No. Unlike other providers, we don't decrease your coverage year-to-year, so you can count on complete protection for the life of your pet.
Will my price increase simply because my pet gets older?
No. Trupanion is one of the only pet health insurance providers that does not practice birthday pricing. While your cost can still change over time due to things like inflation and advances in veterinarian care, Trupanion will never increase it just because your pet gets older.
Will I pay more because I use my coverage?
No. You'll never pay more just for using your coverage and we encourage you to utilize your policy as often as needed. Your Trupanion policy is designed to cover all new, unexpected illnesses and injuries for the life of your pet.
Protect your pet today with one quick call
Love without limits
We keep pet insurance simple by providing the highest-quality coverage so you can access the best veterinary treatment available. Though other providers cut costs by restricting their payouts, Trupanion will never cap what we pay.
Your love doesn't have limits so neither should your coverage
No payout limits
Unlike other providers, we never limit our payouts, so your pet is protected no matter how high the bill gets.
No annual limits
With no annual limits, you'll have the same robust coverage no matter how many times your pet gets sick or injured.
No lifetime limits
Trupanion is by your side for the life of your pet with truly comprehensive coverage that never runs out - guaranteed.
We’re available 24/7 to get you started

