Say goodbye to reimbursements

yes.. Can pay your vet directly in seconds

yes.. 90% coverage

yes.. Unlimited payouts

dalmatian dog waving bye

Care and coverage you can count on

Lifetime coverage

Get a lifetime of protection with a Trupanion policy.

No payout limits

Unlimited payouts for all new, unexpected illnesses.

24/7/365 customer service

Our pet-passionate team is available when you need us most.

What does a Trupanion policy cover?

Trupanion goes beyond traditional pet insurance for cats and dogs.

New illnesses & injuries

Hereditary conditions

Breed-specific conditions

Diagostic tests



Learn more about what’s covered

We cover what other’s don’t

Once your pet is covered with Trupanion’s one simple plan, you never have to worry about a surprise vet bill for any new, unexpected illnesses or injuries.

Trusted by veterinarians & pet parents alike

badge of 2 billion dollars in invoices paidbadge of top veterinary products from dvm, number 1 in America chosen by veterinarians, Trupanion pet insurance 2022
veterinarian holding a cat

Trupanion can pay your veterinarian directly in seconds

With our patented software, we are the only provider that can pay your vet directly at checkout - so no more waiting on reimbursements.

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.

Coverage that goes the distance

We’re taking a boldly different approach to pet medical care, focusing on your pet’s wellbeing while playing nice with your pocketbook.

Hereditary & congenital conditions

yes.. Cherry eye

yes.. Diabetes

yes.. Hip dysplasia

yes.. Thyroid disease

yes.. Cancer

yes.. Heart disease

yes.. Urinary obstructions

yes.. Nervous system issues

Illnesses & injuries

yes.. New, unexpected injuries & illnesses

yes.. Bite wounds

yes.. Swallowed objects & toxins

yes.. Patella luxation

yes.. Allergies

yes.. Kidney disease

yes.. Upper respiratory infections

yes.. Urinary obstructions

And much more

yes.. X-rays, ultrasounds & CT scans

yes.. Surgeries & hospital stays

yes.. Medications

yes.. Veterinary supplements

yes.. Herbal therapy

yes.. Physical therapy

yes.. Advanced dentistry

yes.. Prosthetic devices & carts

Don’t just take our word for it

cat and customer

Shannon C.

Torbay, Newfoundland

“I have tried many other pet insurance companies only to be disappointed. But that all changed after joining Trupanion. Trupanion is the only company I recommend. I am overjoyed to help other families skip the trial and error method of looking for the right pet insurance.”

customers dog

Rebecca N.

Rockland, Ontario

“I have fought with numerous other insurance companies, but I never once had to fight with Trupanion. Don't take chances with unreliable companies. Trupanion was not only the best choice, it was the greatest choice we ever made.”

Loved by pet parents everywhere

You have questions, we have answers

Check out our insurance FAQs or call us at 855.210.8749.855.210.8749. 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 love informed decisions. See our plan for full coverage details.

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