Unmatched coverage
When it comes to pet health, we don’t cut corners. Ever. That’s why 98% of Trupanion members renew with us.
Pet insurance that pays
Unlimited payouts for new, unexpected illnesses and accidents
Vet bills can be paid instantly at checkout
Rated best pet insurance by vets & trusted by nearly 1M pet parents
The best pet insurance for lifetime protection
No payout limits
We don’t limit what we pay so you can say “yes” to the treatment your pet deserves. Our largest claim paid this year was $44,917.
We pay vet bills directly
We can pay your vet in real time so you pay less out-of-pocket. 83% of VetDirect Pay claims are approved within 5 minutes.
We cover what others won't
Our comprehensive coverage is built to be used. We even cover breed-specific conditions with no additional waiting periods.
Hereditary & congenital conditions
Cherry eye
Diabetes
Hip dysplasia
Thyroid disease
Cancer
Heart disease
Urinary obstructions
Nervous system issues
Illnesses & injuries
New, unexpected injuries & illnesses
Bite wounds
Swallowed objects & toxins
Patella luxation
Allergies
Kidney disease
Upper respiratory infections
Urinary obstructions
And much more
X-rays, ultrasounds & CT scans
Surgeries & hospital stays
Medications
Veterinary supplements
Herbal therapy
Physical therapy
Advanced dentistry
Prosthetic devices & carts
Ease the stress of a surprise 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.
1 in 3 pets need unexpected care each year
Having the right coverage means you're prepared to protect them when it matters most. With Trupanion, 90% of your bill can be paid instantly to your vet at checkout - no more waiting for reimbursement!
See how Trupanion helped Fig
Fig has been a Trupanion member for over 3 years and has made many trips to the vet. So far, his Trupanion claims total $8,253.
Based on Fig's claims:
$8,253
Trupanion paid:
$7,428
Fig's parents paid:
$825
Total invoice based on a member plan with 90% coverage on eligible costs and a $0 deductible. See our policy for full coverage details.
Loved by veterinarians and pet parents alike
Unlike other providers, we don’t shy away from paying claims. In fact, we’ve paid out over $3 billion in invoices and that’s why vets and pet parents trust Trupanion to be there when you need us most.
You have questions, we have answers
Check out our insurance FAQs or call us at 866.967.0859. In the meantime here’s what we are often asked:
No, and that's because we want to make sure your coverage goes where it counts the most. By covering all eligible new and unexpected illnesses and injuries (instead of routine costs like wellness visits and preventative care) we enable you to budget more easily for your pet's care.
Any one you like! Some pet health insurance providers limit you to a “veterinary network” of animal hospitals, but we believe your pet deserves the best care regardless of location. With Trupanion, you're free to go to any licensed veterinarian in the United States, Canada, or Puerto Rico.
No, your coverage percentage will never be reduced if your pet is referred to a specialist or emergency animal hospital. We want your furry friend to get the care they need!
No, and that's because we go above and beyond traditional pet insurance. Instead of relying on discounts and other gimmicks from reduced coverage or increased general rates, we provide quality pet medical insurance at the best value premiums possible from the get-go.
Yes. Although some pet insurance providers do not cover hip dysplasia, this coverage is built into Trupanion's core policy. Both large and small dogs may develop this genetic disorder, and our medical insurance will cover it as long as it is not pre-existing.
We’re always ready to help
Our customer care team is available 24/7/365.
