What makes Trupanion dog insurance the best?
Surprise vet bills can be ruff, but the right dog health insurance keeps things simple. We provide the comprehensive coverage your pal deserves, paid faster than they can wag a tail.
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 the bill 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.
Are you prepared for a surprise vet bill?
We’re here to make sure your dog can get the veterinary care they need, when they need it. And unlike other providers, we’ll never limit the amount or how many times we pay out.
Based on a $3,000 bill:
We pay 90%
Based on a member plan with 90% coverage and a $0 deductible. See our policy for full coverage details.
Dog illnesses and injuries can cost more than you think
Did you know 1 in 2 puppies need unexpected veterinary care before their 1st birthday? As we’ve learned while paying over $2 billion in veterinary invoices, pet parents often can’t plan or budget for their dog’s health treatment costs.
- $27,351 - our highest payout for a single puppy
- $81,000 - our single largest payout ever for a dog
- $1.2 million covered in dog gastrointestinal upset claims in 2022 alone
No more claims. We pay first. Vet Direct Pay
Your pet gets the treatment they need
Our software sends us the bill in seconds
We pay the vet directly at checkout
Our promise to you and your pup
- We put pets before profit. If vet costs are lower than expected, we’ll pay it back.
- We won’t increase rates just because your dog gets older.
- We’ll never make you pay more for using your dog’s coverage.
Frequently asked questions
In the traditional dog insurance model, you pay the upfront costs of care on the day of treatment, then make a claim and wait for reimbursement. At Trupanion, we’re changing this model by being able to pay veterinarians directly on the day of treatment. This means less waiting and less financial worry for you, allowing you to spend more time focused on your dog’s health and recovery.
The one exception to this is in our coverage for dog breeders. We still cover all breeds, but coverage for certain conditions may be limited for specific breeds.