Pet insurance done differently
Protection that
goes the distance,
just like you
Protection that goes the distance, just like you
The protection you choose today is the protection they'll have for life. Unlike many providers, we don't reduce coverage as your pet gets older.
30-day money-back guarantee · No payout limits · Cancel anytime
Your quote isn't one-size-fits-all. Adjust your deductible to fit your budget — your coverage never changes. Customize your quote →
★★★★★
4.6 / 5
Average member rating
as of 7/14/2026
1,000,000+
Pets protected
$4 billion+
Paid in claims
Since 2000
Protecting cats & dogs
★★★★★
4.6 / 5
Average member rating
as of 7/14/2026
1,000,000+
Pets protected
$4 billion+
Paid in claims
Since 2000
Protecting cats & dogs
The lifetime math
Let's talk about price
Most pet insurance companies increase your rates significantly simply because your pet ages, sometimes doubling or even tripling your costs over time. See what happens to "cheaper" plans from other insurers by year ten.
EMBRACE
PUMPKIN
PETS BEST
SPOT
For illustrative purposes only. This example is based on a Goldendoodle in Georgia, where we compared Trupanion's lifetime cost with Embrace, Lemonade, Pets Best, Pumpkin, and Spot. Information was obtained from public filings and other carriers’ online quote generators from May 1-5, 2026, and includes assumptions based on annual inflation. The above chart is not a quote from other carriers, and may not include all discounts or future changes, credits, or other potential premium changes from Trupanion or other carriers. It is meant to be illustrative of the difference between age of enrollment and age of attainment pricing. This is not a guarantee of pricing or terms. This website is endorsed only by Trupanion.
★★★★★ · VERIFIED TRUPANION MEMBER
“Work great for us. Will be using it this week for a mass on our boys eye. $7k bill. I’ll cover $700 of that if it’s that much. Have also used it numerous times in the past.”
dawgdad808
Compare Trupanion
Details matter
No more so than when you're in the ER at 2am with your kitten who swallowed 3 hair ties.
EMBRACE
FETCH
LEMONADE
PETS BEST
| PLAN FEATURES |  | EMBRACE |
|---|---|---|
| No extended waiting periods |  Orthopedic issues are included in standard waiting periods |  6-month waiting period for orthopedic issues, unless veterinarian-signed waiver submitted within first 30 days of coverage |
| 24/7 live support | Customer care available 100% of the week | Live customer service available Monday - Friday 8:30 a.m. - 8 p.m., Saturday 9 a.m. – 1 p.m., EST |
| VetDirect Pay™ | Can pay participating hospitals directly at checkout | Can only pay wellness claims automatically |
No extended waiting periods
Orthopedic issues are included in standard waiting periods
6-month waiting period for orthopedic issues, unless veterinarian-signed waiver submitted within first 30 days of coverage
24/7 live support
Customer care available 100% of the week
Live customer service available Monday - Friday 8:30 a.m. - 8 p.m., Saturday 9 a.m. – 1 p.m., EST
VetDirect Pay™
Can pay participating hospitals directly at checkout
Can only pay wellness claims automatically
| PLAN FEATURES | | FETCH |
|---|---|---|
| No extended waiting periods | Orthopedic issues are included in standard waiting periods | 6-month waiting periods for any treatment of cruciate ligaments or patellar luxation — can be waived with vet exam only |
| VetDirect Pay™ | Can pay participating hospitals directly at checkout | No automatic process to pay veterinarians directly |
| No birthday pricing | No rate increases just because your pet has a birthday | Automatically increases rates every year as pet age increases, in addition to other adjustments |
| 24/7 live support | Customer care available 100% of the week, 365 days a year | Live customer service available Monday–Friday 9 a.m.–8 p.m., Saturday 10 a.m.–6:30 p.m. EST |
| Lifetime per-condition deductible | Only meet your deductible once per condition for your pet's entire life | Deductibles reset every policy term, potentially reducing lifetime coverage |
| No payout limits | No annual or lifetime caps on eligible covered costs | Annual payout limits apply to every plan tier |
No extended waiting periods
Orthopedic issues are included in standard waiting periods
6-month waiting periods for any treatment of cruciate ligaments or patellar luxation — can be waived with vet exam only
VetDirect Pay™
Can pay participating hospitals directly at checkout
No automatic process to pay veterinarians directly
No birthday pricing
No rate increases just because your pet has a birthday
Automatically increases rates every year as pet age increases, in addition to other adjustments
24/7 live support
Customer care available 100% of the week, 365 days a year
Live customer service available Monday–Friday 9 a.m.–8 p.m., Saturday 10 a.m.–6:30 p.m. EST
Lifetime per-condition deductible
Only meet your deductible once per condition for your pet's entire life
Deductibles reset every policy term, potentially reducing lifetime coverage
No payout limits
No annual or lifetime caps on eligible covered costs
Annual payout limits apply to every plan tier
| PLAN FEATURES | | LEMONADE |
|---|---|---|
| No extended waiting periods | Orthopedic issues are included in standard waiting periods | 6-month waiting period for cruciate ligaments or patellar luxation |
| VetDirect Pay™ | Can pay participating hospitals directly at checkout | No automatic process to pay veterinarians directly |
| No birthday pricing | No rate increases just because your pet has a birthday | Automatically increases rates every year as your pet ages, in addition to other adjustments |
| 24/7 live support | Customer care available 100% of the week, 365 days a year | Offers phone support, but doesn't list its hours on their website |
| Lifetime per-condition deductible | Only meet your deductible once per condition for your pet's entire life | Single annual deductible that resets each policy term |
| Flexible deductible | Pick a per-condition, lifetime deductible that works best for your lifestyle and budget | Deductible cannot be less than $100 or more than $750 |
No extended waiting periods
Orthopedic issues are included in standard waiting periods
6-month waiting period for cruciate ligaments or patellar luxation
VetDirect Pay™
Can pay participating hospitals directly at checkout
No automatic process to pay veterinarians directly
No birthday pricing
No rate increases just because your pet has a birthday
Automatically increases rates every year as your pet ages, in addition to other adjustments
24/7 live support
Customer care available 100% of the week, 365 days a year
Offers phone support, but doesn't list its hours on their website
Lifetime per-condition deductible
Only meet your deductible once per condition for your pet's entire life
Single annual deductible that resets each policy term; options from $100 to $750
Flexible deductible
Pick a per-condition, lifetime deductible that works best for your lifestyle and budget
Deductible cannot be less than $100 or more than $750
| PLAN FEATURES | | PETS BEST |
|---|---|---|
| VetDirect Pay™ | Can pay participating hospitals directly at checkout | No automatic process to pay veterinarians directly at checkout; direct pay requires cumbersome pre-approvals |
| No birthday pricing | No rate increases just because your pet has a birthday | May automatically increase rates every year as your pet ages |
| 24/7 live support | Customer care available 100% of the week, 365 days a year | Live customer service only Monday–Friday 6 a.m.–7 p.m. MST and Saturday 6 a.m.–2 p.m. MST |
| Lifetime per-condition deductible | Only meet your deductible once per condition for your pet's entire life | Annual deductible that resets every year; options from $50 to $1,000 |
| No payout limits | No annual or lifetime caps on eligible covered costs | Unlimited payouts only if you select the higher-premium plan; lower-premium tiers are limited |
VetDirect Pay™
Can pay participating hospitals directly at checkout
No automatic process to pay veterinarians directly at checkout; direct pay requires cumbersome pre-approvals
No birthday pricing
No rate increases just because your pet has a birthday
May automatically increase rates every year as your pet ages
24/7 live support
Customer care available 100% of the week, 365 days a year
Live customer service only Monday–Friday 6 a.m.–7 p.m. MST and Saturday 6 a.m.–2 p.m. MST
Lifetime per-condition deductible
Only meet your deductible once per condition for your pet's entire life
Annual deductible that resets every year; options from $50 to $1,000
No payout limits
No annual or lifetime caps on eligible covered costs
Unlimited payouts only if you select the higher-premium plan; lower-premium tiers are limited
Comparison information above is provided using publicly available information as of 07/15/2026 and is only meant to summarize program features, not a specific plan. Review each provider's plan terms for more details. We work to provide fair and accurate comparison information. If you are aware of any inaccuracies, please email us at info@trupanion.com.
Protect With Trupanion todayTakes about 2 minutes. No commitment required.
Built around your budget
Your plan flexes. Your protection doesn't.
You decide what works best for your budget. Adjust your deductible to find the monthly price that's right for you without changing the protection your pet receives.
You set this
Your deductible
You meet it once per condition, for life, never every year.
If your budget shifts, you can raise your deductible anytime to lower your monthly cost.
Lower deductible
Higher deductible
Pay less at the vet
Balance cost & coverage
Plan for the big stuff
Always included
Up to 90% back on eligible vet costs
We never ask you to trade your reimbursement rate to bring the price down.
Always included
No payout limits, ever
No annual or lifetime caps with any plan, at every deductible you choose.
Members like you
Real stories, real savings
We helped all these pets get the best care and saved their pet parents thousands in the process.
Star
Somerset, NJ
IBD, Pancreatic Enzyme Deficiency
$28,460
Paid by Trupanion
Rexford
Gwynn Oak, MD
Urinary Obstruction
$19,031
Paid by Trupanion
Butters
Gladstone, OR
CLD, IBD, Pica, Hypertrophic Cardiomyopathy, Hyperthyroidism
$40,603
Paid by Trupanion
Hugo
Seattle, WA
Lymphoma, Elbow Fracture
$13,463
Paid by Trupanion
Dallas
Vale, OR
CCL Tear, Histiocytic Sarcoma
$12,274
Paid by Trupanion
Try it for 30 days.
Decide with zero pressure.
Try it for 30 days. Decide with zero pressure.
We're confident you'll love us, but if you change your mind, just let
us know within your first 30 days for a full refund (as long as we haven't paid a claim for
you).
30-Day Money-Back Guarantee not available in the state of NY, or if a claim has been paid within the first 30 days.
FREQUENTLY ASKED QUESTIONS
Things pet
parents often
want to know
Things pet parents often want to know
Need additional help? We're here around the clock.
855.210.8749
Check out our insurance FAQs or call us at 855.210.8749.
Need additional help? We're here around the clock.
855.210.8749
