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We'll cover conditions your breed is prone to inheriting or has developed before birth.
  • Elbow and hip dysplasia
  • Diabetes
  • Upper respiratory infections
  • Thyroid disease
  • Heart disease
  • Nervous system issues
  • Cataracts
  • Liver disease

Even if your pet doesn't have an official diagnosis, we'll cover you.
  • Vomiting
  • Diarrhea
  • Cough
  • Change in weight

Trupanion provides one simple plan that covers a certain percentage of eligible expenses related to unexpected illnesses and injuries for the life of your furry friend. This includes hospital stays, diagnostic tests, medications, surgeries, and other treatments that arise when your pet is sick or hurt.

Any diagnostic tests related to your pet's unexpected illness or injury is covered by the Trupanion plan.

Surgeries or inpatient hospital stays related to your pet's unexpected illness or injury is covered by the Trupanion plan.

Any medications prescribed by your veterinarian to treat your pet's unexpected illness or injury are covered by the Trupanion plan.

Comprehensive dental coverage for new, unexpected dental illnesses and injuries, including:
  • Extractions of permanent and baby (deciduous) teeth
  • Coverage for retained baby teeth (if your pet is enrolled by 6 months old)
  • Advanced dentistry, including caps (crowns)
  • Endodontic treatments, including root canals
  • Fractured jaw and/or fractured tooth repair
  • Tooth resorption and tooth root abscesses

Behavioral modification is a systematic approach to changing behavior, which includes a pet's reaction to a situation, person, object, animal, etc.

Physical therapy is the use of therapeutic exercises and other healing modalities to help pets recover from health conditions resulting from illness, trauma or surgery.

We'll cover holistic treatments such as:
  • Hydrotherapy
  • Acupuncture
  • Herbal therapy
  • Homeopathy
  • Veterinary supplements

Insurance isn't structured to help you face what has already happened, and for that reason, pet insurance companies do not offer coverage for incidents that are already present or have a reasonable chance of occurring based on previous symptoms; we call these incidents pre-existing conditions.

When surveyed, most pet owners believe pet insurance and wellness plans are the same thing. However, what they cover for your pet differs dramatically. If you are interested in a wellness plan for your cat or dog, know that some veterinary hospitals offer wellness plans with much better value for pet owners. These tailored plans are often made specific to your pet's needs and could give you the most value. Ask your veterinarian if they have a wellness plan that could benefit you.

Exam fees are similar to wellness. An exam fee is the administrative cost that you know will occur each time you take your pet to the veterinarian, whether it's for a routine checkup or something new. We're here for the unexpected, and when you take your pet in for an exam, the associated fee is an expected cost. Because of this, we do not cover any exam fees.

Unlimited payouts, no deductibles - ever!

No illness or injury too big or too small, value from day one


Flexible payments that work for you

You choose the percentage of coverage that fits your budget, protecting your pet and your wallet


We pay faster than anyone

We can pay your veterinarian in seconds at checkout - no waiting on reimbursement


Guaranteed coverage

Your personalized Medical Records Summary provides coverage transparency from the start - no surprises

Trupanion's customer care team is available 24/7/365 at 855.363.2399 or chat online.

$ + taxes & fees

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