Pet insurance Coverage
We cover what others won’t
Life with a pet comes with surprises. Your coverage shouldn't.
COVERED
NOT COVERED
Accidents & illnesses
From accidents to chronic conditions, we cover the unexpected and the ongoing
Prescriptions & supplements
Medications and supplements prescribed to treat a covered condition, including long-term prescriptions for chronic illness
Diagnostic tests
Such as X-rays, MRIs, CT scans, ultrasounds, bloodwork, and more when ordered by your vet
Emergency treatment
Just like our customer care, no matter the time of day or night, emergency care is always included at any hospital or clinic
Dental
Tooth extractions, abscesses, fractures, gum disease, and accidental injuries
Cancer
Diagnosis, treatment, chemotherapy, radiation, surgery are covered no matter the cost
Veterinary specialists
Treatment and diagnostics from any veterinary specialist is included, no referral needed
Breed-specific conditions
Hip dysplasia, brachycephalic conditions, IVDD — every breed welcome, no fine print
Hereditary conditions
Conditions your pet is genetically prone to are covered just like any other illness
From accidents to chronic conditions, we cover the unexpected and the ongoing
Medications and supplements prescribed to treat a covered condition, including long-term prescriptions for chronic illness
Such as X-rays, MRIs, CT scans, ultrasounds, bloodwork, and more when ordered by your vet
Just like our customer care, no matter the time of day or night, emergency care is always included at any hospital or clinic
Tooth extractions, abscesses, fractures, gum disease, and accidental injuries
Diagnosis, treatment, chemotherapy, radiation, surgery are covered no matter the cost
Treatment and diagnostics from any veterinary specialist is included, no referral needed
Hip dysplasia, brachycephalic conditions, IVDD—every breed welcome, no fine print
Conditions your pet is genetically prone to are covered just like any other illness
Wellness & routine care
Everyday care like parasite prevention, spaying and neutering, and vaccinations are not included
Pre-existing conditions
Anything your pet had or showed signs of before coverage started isn't eligible
Vet exam fees & taxes
These costs are easier to plan for ahead of time with your pet, so they fall outside your policy
Preventable conditions
Preventable issues, like certain parasites and dental problems from missed cleanings, aren't covered
Everyday care like parasite prevention, spaying and neutering, and vaccinations are not included
Anything your pet had or showed signs of before coverage started isn't eligible
These costs are easier to plan for ahead of time with your pet, so they fall outside your policy
Preventable issues, like certain parasites and dental problems from missed cleanings, aren't covered
See it in action
What care actually costs
Pets are living longer thanks to advanced veterinary care. Here's what Trupanion covered for member pets when it mattered most.
Cruciate repair
Foreign body removal
Urinary blockage
Cancer treatment
Cruciate ligament repair
Maple · Terrier · 1 yr
As a puppy, Maple was diagnosed with cruciate ligament disease, requiring surgery on both knees to treat.
Without Trupanion
$14,147
With Trupanion
$1,709
Total invoice based on a real member plan with 90% coverage on eligible costs with a $500 deductible applied. See our policy for full coverage details.
How the bill breaks down
Vet bill
$14,147
Trupanion paid
$12,438
You paid
$1,709
Total invoice based on a real member plan with 90% coverage on eligible costs with a $500 deductible applied. See our policy for full coverage details.
Foreign body removal
Kleva · Maine Coon · 3 yrs
Kleva got a bit too curious and swallowed something she shouldn’t have and needed surgery to save her life.
Without Trupanion
$7,527
With Trupanion
$1,752
Total invoice based on a real member plan with 90% coverage on eligible costs with a $1,000 deductible applied. See our policy for full coverage details.
How the bill breaks down
Vet bill
$7,527
Trupanion paid
$5,775
You paid
$1,752
Total invoice based on a real member plan with 90% coverage on eligible costs with a $1,000 deductible applied. See our policy for full coverage details.
Urinary blockage treatment
Jingle · Domestic Shorthair · 5 yrs
After noticeable weight loss and countless tests, a urinary blockage was discovered, requiring extended hospitalization and surgery to save his life.
Without Trupanion
$12,583
With Trupanion
$1,909
Total invoice based on a real member plan with 90% coverage on eligible costs with a $750 deductible applied. See our policy for full coverage details.
How the bill breaks down
Vet bill
$12,583
Trupanion paid
$10,674
You paid
$1,909
Total invoice based on a real member plan with 90% coverage on eligible costs with a $750 deductible applied. See our policy for full coverage details.
Cancer treatment
Yoshi · Golden Retriever · 4 yrs
Yoshi was diagnosed with a cancerous tumor, requiring surgery to remove.
Without Trupanion
$8,818
With Trupanion
$882
Total invoice based on a real member plan with 90% coverage on eligible costs with a $250 deductible applied. See our policy for full coverage details.
How the bill breaks down
Vet bill
$8,818
Trupanion paid
$7,936
You paid
$882
Total invoice based on a real member plan with 90% coverage on eligible costs with a $250 deductible applied. See our policy for full coverage details.
Cruciate repair
Foreign body removal
Urinary blockage
Cancer treatment
Let's clear a few things up
Pet insurance myths, debunked
Myth #1
“It's better to save up for my pet's care.”
A savings account starts at zero and climbs slowly. Coverage starts at the full amount on day one. One emergency can empty years of saving, so you're ready before the bill arrives, not after.
Myth #2
“A low monthly price is always a good deal.”
A low price usually hides a low payout cap, and that cap is fine right up until the bill is big. We never limit how much we pay for your pet's care, so the money you save now can't cost you later.
Myth #3
“I'll have to meet my deductible again every year.”
With most insurance, your deductible resets every year, so a lifelong condition costs you again and again. Ours doesn't. You pay once per condition, then we cover that condition for the rest of their life.
No commitment. See your real price, not a myth.
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
Still on the fence? You get 30 days to change your mind
We're confident you'll love us. But if you change your mind, just let us know within the first 30 days for a full refund (as long as we haven't paid a claim for you). Your pet is covered the entire time — so getting a quote today costs you nothing, and enrolling risks nothing either.
Offer not available in New York.
