State Farm has partnered with Trupanion

Trupanion helps more than 1M members access high quality medical care for their pets when they need it most.

Pet insurance with up to 90% coverage

No limits on what Trupanion can pay for eligible costs

Your vet bill can be paid instantly at checkout

Get a quick quote

Why State Farm teamed up with Trupanion

State Farm has spent over a century helping people protect what matters most. But for millions of customers, the family member waiting at the door every night wasn't part of that promise — until now.

Trupanion brings veterinarian-designed coverage, direct vet payment at checkout, and rates that never rise just because your pet gets older. Two companies, one shared belief: that real protection should cover everyone you love.

Understanding pet insurance

What every pet parent needs to know about veterinary costs

Here's what most people don't realize: that adorable puppy or kitten comes with a lifetime cost of care that can climb past $30,000. And when emergencies strike? Cancer treatment can reach $15,000 or more. A torn ACL? $3,500–$6,400 on average. Even "simple" foreign body surgery (like when they eat something they shouldn't) can run $3,500–$8,000.

Coverage that protects for life

Real protection for real pet health issues

Hereditary & congenital conditions

Hip dysplasia (common in 65+ breeds)

Heart disease (especially in larger dogs)

Diabetes (affects 1 in 300 dogs, 1 in 230 cats)

Cherry eye (surgery: $800-$1,500 per eye)

Illnesses & injuries

Foreign body surgery ($3,000-$7,000)

Cancer treatment (average: $8,000-$15,000)

Bite wounds & lacerations ($500-$2,500)

Urinary obstructions (surgery: $3,000-$6,000)

Allergies (treatment: $1,000-$3,000/year)

Kidney disease (chronic: $2,000-$8,000/year)

What’s not covered

Exam fees (costs you can budget for)

Wellness (vaccines, teeth cleanings)

Pre-existing conditions (conditions that existed or showed symptoms before coverage)

Preventable conditions (i.e. heartworm) when preventatives weren't taken

Get my pet’s quote

Loved by pet parents everywhere

Pet parent FAQ

Check out our insurance FAQs or call us at 855.518.1410. In the meantime here’s what we are often asked:

Pet insurance premiums are based on several factors:

Age: Older pets are more prone to health issues, so premiums are typically higher at enrollment for older pets.
Breed: Some breeds are predisposed to certain conditions, leading to higher coverage costs. Larger breeds may also incur higher costs due to increased medication or treatment needs.
Location: Regional differences in veterinary costs and common pet health concerns can influence premiums.
Coverage level: More comprehensive coverage has a higher premium, but provides much broader protection.

By enrolling your pet early, you can often secure lower premiums over their lifetime.

No! We know that when your pet gets sick or injured, it’s impossible to predict how much care they’ll need. Some pets recover quickly, while others may require extensive treatments like diagnostics, imaging, surgeries, or hospitalization, often leading to high vet bills. That’s why having no payout limits on your pet insurance is so important.

A pre-existing condition refers to any illness, injury, or condition for which signs or evidence of its potential occurrence were present within the 18 months before your policy’s start date or during the applicable waiting periods. It can also include an injury or the recurrence of an injury that happened before your pet’s coverage became active.

At Trupanion, we've made our enrollment process straightforward and accessible. To qualify for our lifelong coverage, your pet must meet three key requirements:

Age
Cats and dogs under 14 years old are eligible to enroll for lifelong coverage. Whether you have a lively puppy, an adventurous kitten, or a senior pet, there's a great chance they can qualify for protection under our generous age limit.

Geographic Location
To be eligible for Trupanion coverage, you must reside in the United States, Canada, Puerto Rico, or on any U.S. military base worldwide. This wide coverage area ensures that most North American pet owners can take advantage of our services.

Type of Pet
While we adore all animals, Trupanion currently provides coverage exclusively for cats and dogs. However, unlike some other pet insurers, we have no breed restrictions!

Your rate will never increase based on your pet's age or birthday. Rate adjustments typically reflect: (1) veterinary cost inflation in your location, and (2) policy enhancements. Many insurers double or triple premiums for senior pets, but we believe that's wrong. Your 10-year-old dog deserves protection as much as your 2-year-old puppy did.