A vet, a woman, and a dog in the vet's office

Pet
insurance

★ ★ ★ ★ ★
Voted by veterinarians

Introducing VetDirect Pay™

Instant Payments for Your Vet Bills

Pet
insurance

★ ★ ★ ★ ★
Voted by veterinarians

You both deserve to be pampered

We know about all the things your pet gets when they come home.

The warm place to sleep
The cozy sweater
The gourmet treats

This one is for both of you...

Assurance their health is cared for

You both deserve to be pampered

We know about all the things your pet gets when they come home.

The warm place
to sleep

The cozy sweater

The gourmet treats

This one is for both of you...

Assurance their
health is cared for

Lifetime coverage

Get a lifetime of protection with a Trupanion policy.

No payout limits

Unlimited payouts for new, unexpected illnesses and injuries.

Around the clock customer service

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

Lifetime coverage

Get a lifetime of protection with a Trupanion policy.

No payout limits

Unlimited payouts for new, unexpected illnesses and injuries.

Around the clock customer service

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

Our unmatched coverage and direct payments to your vet at checkout let you focus on your pet’s well-being.

Care and coverage
you can count on

Get my pet's quote ⟶

Care and coverage
you can count on

Our unmatched coverage and direct payments to your vet at checkout let you focus on your pet’s well-being.

Get my pet's quote ⟶

Hereditary & congenital
conditions

See all ⟶

Cherry eye

Diabetes

Hip dysplasia

Thyroid disease

Cancer

Heart disease

Nervous system issues

Illnesses & injuries

See all ⟶

New, unexpected injuries & illnesses

Bite wounds

Swallowed objects & toxins

Patella luxation

Allergies

Kidney disease

Upper respiratory infections

Urinary obstructions

And much more...

See all ⟶

X-rays, ultrasounds & CT scans

Surgeries & hospital stays

Medications

Veterinary supplements

Herbal therapy

Physical therapy

Advanced dentistry

Prosthetic devices & carts

Hereditary & congenital
conditions

Cherry eye

Diabetes

Hip dysplasia

Thyroid disease

Cancer

Heart disease

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

A veterinarian and a dog looking at each other

Pay directly with VetDirect Pay™

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 — no more waiting on reimbursements.

Saving the day for pet
parents like you

Read our reviews and find out why over 98% of members renew with us month after month.

Over $10,000 paid for Harold

WITH A TRUPANION POLICY

"He was so tiny and helpless, and this was truly the most traumatic thing I could imagine. Harold's animal hospital went directly through Trupanion, so I never saw a bill while this was all going on."

Over $2,500 paid for Dresden

WITH A TRUPANION POLICY

"I found comfort in the knowledge that despite the fact that I did not know what was in store for Dresden in the days to come, I would not have to shoulder the financial burden alone."

Dr. Cynthia Nichols

DVM, GENERAL PRACTITIONER, MEDICAL DIRECTOR & OWNER, NICHOLS VETERINARY CARE

"Accidents and illnesses happen when you least expect it. This is why I encourage ALL of my clients to consider Trupanion’s offer. It's an extra layer of security for your pet while thinking about whether insurance is right for you. With Trupanion, you can be prepared to get the care your pet needs."

Almost $20,000 paid for Jiminy

WITH A TRUPANION POLICY

"I am profoundly thankful for the peace of mind I get from having Jiminy insured with Trupanion, knowing that I can give him a bright future full of new experiences, adventure and restful moments together!"

A woman holding a dog while someone else pats its head

You have questions, we have answers

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.

We don’t like to toot our own horn, but as pet owners and Trupanion members ourselves we think the difference is clear. Our lifetime coverage offers invaluable peace of mind for pet parents, ensuring that your furry companion receives the medical care they need no matter the cost. Unlike standard pet insurance plans, which may limit coverage as pets age or develop chronic conditions, our policy provides continuous coverage for both illnesses and injuries for the life of your pet.

In addition, we’re the only pet health insurance company that can pay veterinarians directly at the time of checkout. And unlike many others, we have no payout limits, no matter how many times you need to use your pet’s coverage. Plus we welcome all dog and cat breeds, including brachycephalic pets and those at higher risk of certain conditions like hip dysplasia.

And that’s just the start! Take a look at our detailed side-by-side comparisons with other major pet insurance providers to learn more about how Trupanion stands out.

Check out our insurance FAQs