5 reasons Trupanion pets live longer, healthier lives


Your little best friend is your family, and now you can protect them like it.

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The best coverage sets your pet up for the best life

Not all pet insurance is created equal — the right coverage makes a serious difference for your savings, your vet care, and most of all, your little buddy.


Read five ways that Trupanion’s robust coverage makes for a healthier life for your pet.

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The most robust coverage means the best care

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Our coverage is among the most robust in the industry, so you don’t have to opt for lower-quality care in order to save money. With us, you can focus on getting your pet exactly what they need.


According to a recent study, our pets are 2x as likely to live longer than non-Trupanion pets.*

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It’s not your standard accident & illness care

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Most "cheaper" plans come with payout limits and exclusions that can leave you without coverage when you need it most. Not with us. We're proud to offer the most robust protection for your pet by covering what others won't.


Examples include: advanced dental, physical therapy, breed-specific illnesses, veterinary supplements, prescription food, and more.

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No payout limits means never having to choose between your savings and your best friend

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While other providers have payout caps, we will never turn your pet away. After your deductible, Trupanion pays up to 90% of every eligible bill.


No per-incident limits. No annual limits. No lifetime cutoffs. Ever.

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Most plans up your premium on every birthday — not us

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Other insurers price low to lure you in, then make up the difference with higher rates and lower payouts as your pet ages. Our premiums don’t increase with age, conditions, or more vet visits — and we never lower or drop coverage because your pet gets too expensive.


Start low, spike later is the #1 trick in pet insurance. Trupanion is transparent, robust, and won’t leave you hanging.

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We’re the #1 rated pet insurance by veterinarians

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No payout limits means that vets are free to focus on providing the best care for your pet, not pinching pennies to avoid pricier treatments.


In a recent survey, vets chose us as the #1 pet insurance in America.

From day one to their golden years, we're there for
whatever life brings.



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Up to 90% coverage

For your eligible vet bills


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24/7 365

Customer Care


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1.9 million+ claims

Closed in 60 seconds or less


Real pet owners

The people who've been through it don't switch

Harold the fluffy white cat

★★★★★

Over $10,000 covered

Harold

"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."

Harold the fluffy white cat
Dresden the little dog

★★★★★

Over $2,500 covered

Dresden

"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."

Dresden the little dog
Jiminy the brown and white dog

★★★★★

Almost $20,000 covered

Jiminy

"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!"

Jiminy the brown and white dog

You have questions, we have answers

Routine care — like vet check-ups, vaccines, and preventive treatments (such as flea and tick medications) — is something every pet needs throughout their life. Because these costs are predictable and can often be planned for in advance, they are not covered. Pet insurance specifically designed to help with the unexpected, like illnesses and accidents that catch you off guard. By focusing on unplanned veterinary expenses, insurance gives you peace of mind when it matters most.

Any one you like! Some pet health insurance providers may limit you to a “veterinary network” of animal hospitals, but we believe your pet deserves the best care regardless of location. With a Trupanion plan, you're free to go to any licensed veterinarian in the United States, Canada, or Puerto Rico. And yes, this includes specialists and emergency hospitals.

No! We understand that some other pet insurance providers may apply limits or certain rules to veterinary emergencies or conditions requiring specialist care. But with Trupanion, your coverage percentage will never be reduced if your pet is referred to a specialist or emergency animal hospital. After all, accidents happen, and you never know what kind of situation your pet may wind up in. We want your furry friend to get the care they need, wherever they need it.

We do not offer multi-pet discounts, and this deliberate decision stems from our deep commitment to transparent and fair pricing for all members. We believe in creating a pricing structure that treats every pet parent equitably. Our pricing philosophy prioritizes long-term stability and fairness versus short-term promotional discounts that often mask higher costs down the road.

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 or call us at 855.210.8749.

*Based on Trupanion studies conducted in 2020 and 2023 analyzing third-party hospital invoice data, comparing pets insured with a Trupanion policy to pets without a Trupanion policy.

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