Pet insurance:
What makes Trupanion different?

We stand out from the pack by putting pets first. From Vet Direct Pay and unlimited payouts to coverage for all new, unexpected injuries and illnesses, we’re here to help your pet get the best care possible.

Black-footed cat and Jack Russell terrier behind, both looking up

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.

Pet coverage you need, at lightning speed

Hand receiving money from having the best pet insurance provider

No caps ever

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

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The fastest payouts

The world’s only provider to pay the bill in real-time at checkout – no waiting, no worries.

veterinarian presence

Trusted by vets

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

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Loved by 1 million pet parents

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

Why Trupanion?

Trupanion goes beyond traditional pet insurance

When you compare Trupanion with traditional pet insurance plans, it’s easy to see that we do more to get your pet the best care.

Traditional pet insurance:


traditional no..Paying your whole bill upfront and waiting to get reimbursed

.. Trupanion yes..Having your vet paid directly and in seconds

.. traditional no..Sacrificing comprehensive care for a cheaper monthly rate

.. Trupanion yes..One simple plan that provides quality nose-to-tail coverage

.. traditional no..Restricted payouts and reimbursement ceilings

.. Trupanion yes..Unlimited payouts for the life of your pet

.. traditional no..Increases rates or restricts coverage because you filed a claim

.. Trupanion yes..Will never increase your rates or reduce coverage just because you had to use it

Can you afford a surprise $1,500 vet bill?

A Trupanion survey of North American veterinarians showed $1,500 as the average treatment cost where pet parents halt care. But with quality coverage protecting your pal, you can say ‘yes’ to veterinary care — no matter what life brings.



Vomiting & Diarrhea


Foreign Material Ingestion


Urinary Tract Infection




Dental Disease




Top conditions for cats

Whether they’re a rambunctious, curious kitten or a longtime friend, all cats need protection for illnesses and injuries.

Top conditions for dogs

From breed-specific conditions to eating things they shouldn’t, surprises are nothing new with canines. That’s where quality dog health insurance makes a difference.





Vomiting & Diarrhea


Foreign Material Ingestion




Lameness & Limping




*Costs based on real Trupanion member claims and are intended as informative examples only. Treatment costs can vary greatly between pets and location.

Every pet head-line deserves protection

We’re proud to cover all cats and dogs, regardless of breed.

dog prancing in prairie

Dog Insurance

From lap dwellers to frisbee athletes, every dog’s at risk of getting ill or injured. So, it’s best to get them protected while they’re puppies.

tabby cat on floor

Cat Insurance

From indoor snoozers to outdoor explorers, every cat is likely to experience a surprise injury or illness at some point in their nine lives.

Loved by vets and pet parents alike

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

Frequently asked questions

There are just two basic requirements to sign your pet up with Trupanion:

  • All cats and dogs under 14 years of age are eligible to enroll for lifelong coverage.
  • You live in the US, Canada, or Puerto Rico (including US and Canadian military bases).
Please note that we welcome dogs and cats of every shape, size, and breed.

Every pet is different and so is the cost of their insurance. A two-year-old golden retriever in Chicago might have a different monthly cost than a five-year-old female Siamese cat in a rural region. The veterinary care available in your area can also be a determining factor. We encourage you to get a quote or give us a call for a better picture of what your cost with Trupanion will be.

We have made the deliberate choice not to cover routine care, wellness, or preventive care costs. This includes things like wellness checkups, flea and tick control, and exam fees. There is a specific reason for why we do not cover these things, and it’s because we want you to get the most value out of your pet insurance coverage.

When it comes to your pet’s wellness care, we don't believe that we should charge you extra for something that you can expect. Since you know your pet needs routine veterinary care, it’s something you can actually budget for. And when you can budget for wellness care costs, it doesn’t make sense to pay a middle man more to give that same benefit back to you. Trupanion was founded to help pets get the health care they need when surprise illnesses and injuries occur, not to help with regular costs you can predict.

Of course! While we’ll be sorry to see you go, we understand that things in life change. You can cancel your Trupanion policy at any time, for any reason.

Have more questions about how Trupanion works and what to expect with your plan? Feel free to reach out to us at any time. We are available 24 hours a day, 365 days a year to answer any and all questions.

Most responsible pet parents are able to budget for their dog or cat’s routine care costs. But what happens when something unexpected comes up? This is where pet health insurance can be a lifesaver.

If your pet becomes ill or injured, relying on savings or emergency funds to pay for their veterinary care expenses is a risky option. After all, it can be difficult to know upfront exactly how much their treatment will cost or if there will be complications that require additional care. Having quality pet insurance in place enables you to protect both your pet and your budget by helping pay for these new and unexpected veterinary care.

For many, that peace of mind alone is what makes pet insurance very worth it.
Read more frequently asked questions
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