Trupanion Underwriter and Licensing Information and Terms of Use

Thank you for visiting. You will find all our regulatory information on this page.

Our company information

Trupanion Managers USA, Inc.

6100 4th Ave South

Seattle, WA 98108

Endorsements featured on this site

We do not pay for endorsements. Endorsements that we use have been given willingly by our customers and supporters, for no material consideration.

Underwriter information

In the United States, we are underwritten by:American Pet Insurance Company6100 4th Ave SouthSeattle, WA

98108phone: 877.589.1841fax: 866.405.4536

American Pet Insurance Company, a New York domiciled insurance company

In Canada, we are underwritten by:Omega General Insurance Company36 King Street East, Ste. 500Toronto, ON M5C 1E5phone:

416.361.1728fax: 416.361.6113

Where Trupanion is licensed

Trupanion Managers USA, Inc. (Formerly Vetinsurance Managers, Inc.) is licensed in all 50 states, the District of Columbia and Puerto Rico. Products and discounts may not be available to all persons in all states.

AK – License #67821

AL – License #0440036

AZ – License #898682

AR – License #357277c

CA – License #0G22803

CO – License #306244

CT – License #002299539

DE – License #1339609

DC – License #2883196v

FL – License #P175229

GA – License #124214

HI – License #355166

ID – License #275256

IL – License #100305686

IN – License #662618

IA – License #1002034086

KS – License #383756263-000

KY – License #671232

LA – License #493493

ME – License #AGN204657

MD – License #NPF 99989791

MA – License #1888090

MI – License #0085946

MO – License #8025440

MN – License #40077808

MS – License #15017340

MT – License #717191

NE – License #0100185833

NV – License #640828

NH – License #2267181

NJ – License #1152629

NM – License #100007986

NY – License #PC-1079417

NC – License #0010036859

ND – License #0020295386

OH – License #37232

OK – License #10008708

OR – License #0100169523

PA – License #511210

PR – License #000062788

SC – License #171035

SD – License #10008501

TN – License #00004998

TX – License #1488662

UT – License #275939

VA – License #38-3756263

VT – License #119044

WA – License #718030

WY – License #208773

WI – License #2546086

WV – License #0100108178

Acceptance of the Terms of Use

Last Modified: March 1, 2021

Welcome to the website of Trupanion, Inc. and its subsidiaries and affiliated companies (collectively “Trupanion”). The following Terms of Use govern your access to and the use of (the “Website”), including any content, functionality and services offered on or through the Website, whether as a guest/visitor or a registered user, as applicable.

Please read these Terms of Use carefully before you start to use the Website. By using the Website, you accept and agree to be bound and abide by these Terms of Use. If you do not agree with any part of the Terms of Use, you must not use the Website. The Website is offered and available to users who are 18 years of age or older, and reside in the United States (including its territories) or Canada. By using the Website, you represent and warrant that you are of legal age to form a binding contract with Trupanion and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.

Trupanion reserves the right to modify these Terms of Use at any time. Continued use of the Website by you will constitute your acceptance of any revisions to the Terms of Use. Please check this page regularly.

Accessing the Website

Trupanion reserves the right to withdraw or amend the Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if, for any reason, all or any part of the Website is unavailable at any time for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

Prohibited Uses

You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website:

  • In any way that violates any applicable federal, state, local, or international law or regulation including, without limitation, any laws regarding the export of data or software to and from the US or other countries;
  • to impersonate or attempt to impersonate Trupanion, a Trupanion employee, contractor or agent, another user, or any other person or entity including, without limitation, by using e-mail addresses (or user names) associated with any of the above mentioned;
  • to transmit, or procure the sending of, any advertising or promotional material, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation; and/or
  • to engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm Trupanion or users of the Website or expose them to liability.

Additionally, you agree not to:

  • Use the Website in any manner that could disable, overburden, damage, or impair the Website or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website;
  • use any robot, spider, or other automatic device, process or means to access the Website for any purpose, including monitoring or copying any of the material on the Website;
  • use any device, software, or routine that interferes with the proper working of the Website;
  • use any manual process to monitor or copy any of the material on the Website, or for any other purpose not expressly authorized in these Terms of Use, without Trupanion’s prior written consent;
  • introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful;
  • attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer or database connected to the Website; and/or
  • otherwise attempt to interfere with proper working of the Website.

Reliance on Information Posted

The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of the information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

The Website may include content provided by third parties, including materials provided by other users, bloggers and third-party licensors, syndicators, aggregators and/or reporting services. All statements and/or opinions expressed in any such materials, and all articles and responses to questions and other content, other than the content provided by Trupanion, are solely the opinions and the responsibility of the person or entity providing those materials. Any such materials do not necessarily reflect the opinion of Trupanion. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third party sites linked to the Website, you do so entirely at your own risk and subject to the terms of use for such websites.

Electronic Signatures

For some activities on the Website, Trupanion may permit “Online Access,” including the ability to use a personal computer equipped with an active connection to an internet service provider to access your Trupanion accounts and policies, and to perform certain transactions as available (now or in the future, as applicable).

As part of these online activities, you may be given the option to sign certain documents including, but not limited to, quotes, updates, notifications or other information that you request, transaction receipts, documents requiring your signature, or any other documents (“Communications”) electronically by either checking the appropriate box or engaging in a similar online process as instructed online. You agree that by checking the appropriate box within or adjacent to the applicable Communication or engaging in a similar online electronic signature process, you are providing your electronic signature and agree to be bound by the Terms of Use in such Communication just as if you had signed your name to a paper document.

Payment Update Services

Our third-party billing service receives updated card account status including cancellation of the card account and changes to card number and/or expiration dates from the issuers of payment cards. We use this information to seamlessly continue your service in the event you have an update to your payment card. Payment cards issued by certain banks are not eligible for this service and members should check with their card issuers to determine eligibility for this service or to opt out of this service.
Linking to the Website and Social Media Features
You may link to Trupanion’s homepage, provided you do so in a way that is fair, in compliance with all applicable laws, rules and regulations, and does not damage our reputation; provided that you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.
You may use Website features solely as they are provided by us, and solely with respect to the content they are displayed with.
We may disable all or any Website features and any links at any time without notice, in our sole discretion.

Disclaimer of Warranty

The content and materials in the Website are provided “as is” and without representations or warranties of any kind, either express or implied. Trupanion expressly disclaims all warranties, express or implied, with respect to the Website including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Trupanion does not warrant or represent that the functions or operations of the Website will be uninterrupted or error-free, that defects will be corrected, or that the Website, its servers or any e-mail sent from Trupanion are free of viruses or other harmful components.
The information, products software or service descriptions published on the Website or a linked Website may include inaccuracies or typographical errors. Trupanion disclaims liability for such errors and does not warrant or represent that the content on the Website or a linked web Website is updated or complete. Trupanion has no obligation to update any content on the Website and may change or improve the Website at any time without notice.

The foregoing does not affect any warranties that cannot be excluded or limited under applicable law.

Limitation of Liability

Trupanion shall not be liable for any injury, loss, claim, or damage, nor any indirect, special incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, that arise out of (a) the use of, or inability to use, the Website or content found in the Website, or (b) unless resulting from the gross negligence or intentional actions of Trupanion, the unauthorized access to or alteration of your transmissions of data, even if Trupanion has been advised of the possibility of such damages.

The foregoing does not affect any liability that cannot be excluded or limited under applicable law.


Should any provision of these Terms of Use be held invalid, unlawful, or for any reason unenforceable, then the invalid, unlawful, or unenforceable provision shall be severable from the remaining provisions. Any such invalid, unlawful or unenforceable provisions will not affect the validity or enforceability of the remaining provisions.

Jurisdictional Issues

Trupanion makes no representation that all insurance products and services on the Website are appropriate or available for use in your jurisdiction. Some insurance products and services may not be available in all jurisdictions. If you choose to access the Website, you do so on your own initiative and are responsible for compliance with any applicable local, state, and federal laws, rules and regulations. The information contained on the Website is not an offer to sell or solicitation to buy, any insurance product, security, or service.

Visitor Submissions

All communications initiated by you (also defined here as a “Visitor”) and made to or through any portions of the Website that permit uploading of questions, comments or other material are hereby considered “Visitor Submissions”.
If you make a Visitor Submission, you agree to abide by the terms set forth herein. Visitor Submissions will not contain any content that is illegal, indecent, profane (either directly or indirectly through partially obscured words, letters, phrases, terminology or the like), threatening, defamatory, derogatory, counter to the Trupanion Privacy Policy or otherwise injurious to Trupanion or any other third party (including any infringing materials or materials that purport to or actually include personal information about others); and that will not consist of or invoke malicious software code, constitute commercial solicitation (except where pre-approved by Trupanion), consist primarily of a solicitation, be political in nature, or the like. Where an e-mail address is required to upload Visitor Submissions, you agree to use a valid e-mail address and represent that you are the individual identified by the address. If you wish to submit materials to the Website, you are prohibited from impersonating any other individual or entity, or otherwise mislead as to the origination of the Visitor Submission.
Visitor Submissions will be considered non-confidential and non-proprietary. Visitor Submissions become the property of Trupanion and you grant Trupanion a non-exclusive, royalty-free, perpetual, irrevocable, fully transferable, sub-licensable and assignable right to use, edit, modify, adapt, translate, edit, and reformat Visitor Submissions as appropriate and for any purpose, anywhere in the world, including into those forms that may constitute advertising and/or other marketing. If you submit a Visitor Submission, you are also granting to Trupanion the non-exclusive right to seek enjoinment and possible damages from any third party who otherwise uses Visitor Submissions in an unauthorized way or through unauthorized reproduction of any Visitor Submissions. If you make a Visitor Submission, you represent and warrant to Trupanion that you own or control all rights in and to the Visitor Submission and have the right to grant the ownership and license above to Trupanion.
Visitor Submissions used, displayed or propagated by Trupanion or others licensed by Trupanion to use Visitor Submissions may be attributed to you unless you have expressly requested anonymity. Trupanion reserves the right to select among the Visitor Submissions for the most appropriate material to be used, subject to Trupanion’s sole discretion and judgment. Trupanion otherwise reserves the right to remove Visitor Submissions from the Website pursuant to its discretion and judgment, but maintains no obligation to do so.
Visitors also agree to not redistribute, or reproduce elsewhere, Visitor Submissions in any manner or in any media, including the re-submission or republishing of any Visitor Submission on any other site not affiliated with Trupanion.
Emails to Trupanion Addresses
The Trupanion email system is a private email system intended only for purposes authorized by Trupanion. You are not authorized to send numerous unsolicited commercial email messages to any email address ending in Trupanion reserves the right to take actions as may be necessary to prevent misuse of its email system by unauthorized parties.
Trupanion SMS Reminders
Trupanion Terms and Conditions for 878738
The following terms and conditions shall apply to Trupanion SMS Reminders. By entering your mobile phone number, you acknowledge that you are participating in the Trupanion Reminders program, and that you have read and agreed to the terms and conditions set forth for this campaign. Msg & Data rates may apply. Trupanion Reminders frequency may vary. Trupanion users may opt out by texting STOP to 878738. For help, Trupanion users can text HELP to 878738 or call us at 888.733.2685.
Available on participating carriers only. Trupanion works with the following carriers: Alltel, AT&T, Boost, Sprint, T-Mobile®, Verizon Wireless, Virgin Mobile USA and U.S. Cellular. T-Mobile® is not liable for delayed or undelivered messages. You expressly understand and agree that your participation in the Trupanion Reminders campaign is solely at your own risk. The service is provided "as is" and "as available". We accept no responsibility and shall not be liable for any consequences that are alleged to have occurred through your use, or misuse, of the text message(s).
Secured Areas/Passwords
Some portions of the Website may be restricted and require authorization for access. Unauthorized use of or access to any such areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored, and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas. It is a condition of your use of the Website that all information you provide on the Website is correct, current, and complete. You agree that all information you provide to register with the Website or otherwise, including, but not limited to, through the use of any interactive features on the Website, is governed by the Trupanion Privacy Policy, and you consent to all actions we take with respect to your information consistent with the Trupanion Privacy Policy.
If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. Trupanion will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, you should contact Trupanion. Trupanion will not be responsible if you do not properly secure your password or if you choose to share your password with anyone else. In order to protect your personal information, Trupanion encourages you to change your password every six months.
We have the right to disable any user name, password, or other identifier, whether chosen by you or provided by us, at any time, in our sole discretion for any or no reason, including if, in our opinion, there has been a violation any provision of these Terms of Use or of the Trupanion Privacy Policy.
Insurance Quotes/Coverages
All quotes generated by the Website are estimates based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage and are subject to change at any time. Your quote may differ from your final premium amount due, for example, to the passage of time between the quote and your policy application or if the information you provide on your policy application differs from what was provided for the quote. Quotes are provided by American Pet Insurance Company (USA), which is wholly-owned by Trupanion, Inc., and by Omega General Insurance Company (Canada).
Any coverage descriptions provided on the Website are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to Trupanion. All applications are subject to underwriting approval. Coverages and availability may vary by state or province; and additional minimum coverage limits may be available in your state. For additional information, please contact a Trupanion agent.
Employment Opportunities
Trupanion is committed to the principles of equal employment opportunity. Applications are considered for all positions without regard to race, sex, sexual orientation, ethnicity, religion, national origin, age, disability (so long as such disability can be reasonably accommodated), or any other status protected by applicable law. Trupanion encourages all qualified applicants to apply.
You agree that the Federal Arbitration Act, applicable federal law, and the laws of the state of Washington, without regard to principles of conflict of laws, will govern these Terms of Use.
Waiver of Class Action Rights
Intellectual Property Rights
The Website and its entire contents, features, and functionality (including, but not limited to, all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by Trupanion, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
These Terms of Use permit you to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our Website, except as follows:

  • Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
  • You may store files that are automatically cached by your Web browser temporarily for display enhancement purposes.
  • If we provide desktop, mobile, or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.
  • You may print (or download) one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication, or distribution.
  • If we provide social media features with certain content, you may take such actions as are enabled by such features.

You must not:

  • Modify copies of any materials from the Website.
  • Delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from the Website.

You must not access or use for any commercial purposes any part of the Website or any services or materials available through the Website.
If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Website in breach of the Terms of Use, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by Trupanion. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws.
The Trupanion name, logo and all related names, logos, product and service names, designs, and slogans are trademarks of Trupanion or its affiliates or licensors. You must not use such marks without the prior written permission of Trupanion. All other names, logos, product and service names, designs, and slogans on the Website are the trademarks of their respective owners.
Use of the term "member" or "membership" does not convey any eligibility, legal or ownership rights in Trupanion or any of its affiliates.
We love informed decisions. See the policy for full coverage details.

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