Pet insurance that pays the vet directly —before you do

No more paying out-of-pocket and waiting weeks for reimbursement with VetDirect Pay™. We can cover our share instantly at checkout — so you won’t have to choose between care and cost.

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Trustpilot

Your bill is paid instantly with VetDirect Pay™

The days of waiting to be reimbursed hundreds, if not thousands, of dollars are over as we can pay our portion of the bill directly at checkout. Enjoy all the benefits of insurance that can pay upfront without the restrictions or difficulties that may come from other providers. Plus, you’ll know exactly what was covered before you leave your vet’s office.
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Less upfront costs

We take the financial headache out of unexpected vet visits by paying our portion of the bill - right at checkout.
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Premium care
Bypassing reimbursement allows you to seek high quality care without worrying about paying the full bill upfront.
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Focus on recovery
By easing your financial stress, you can prioritize what matters most — the health and well-being of your pet.
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VetDirect Pay™ explained

No waiting. No hassles. No worries.

Number One

Your pet gets the care they need

Number Two

The vet automatically sends us your bill

Number Three

We pay our portion directly at checkout

Trupanion goes beyond traditional pet insurance

When you compare Trupanion with traditional pet insurance plans, it’s easy to see that we do more to get your pet the best care.

Trupanion:

Traditional Pet Insurance:

X iconHaving your vet paid directly and in seconds

Checked iconPaying your whole bill upfront and waiting to get reimbursed

X iconOne simple plan that provides quality nose-to-tail coverage

Checked iconSacrificing coverage for a cheaper monthly rate

X iconNo payout limits for the life of your pet

Checked iconRestricted payouts and reimbursement ceilings

X iconWill never increase your rates or reduce coverage just because you had to use it

Checked iconIncreases rates, restricts coverage, or cancels because you file claims

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We’re always ready to help

Our customer care team is available 24/7/365.

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Pet Insurance

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© copyrightyear Trupanion. All Rights Reserved. Trupanion is a registered trademark owned by Trupanion, Inc.
Policies vary by state and are subject to applicable waiting periods, deductibles, co-insurance/payout percentage, and exclusions such as pre-existing conditions. Certain coverage or treatment may require the purchase of additional riders. Products, discounts, and rates are subject to change. Other deductible or coinsurance options may be available in your jurisdiction. Please contact our licensed agents to learn more. See the full policy for full terms and conditions of coverage.

Trupanion is a registered trademark owned by Trupanion, Inc. Trupanion policies are underwritten by American Pet Insurance Company or ZPIC Insurance Company in the United States, and sold and administered by Trupanion Managers USA, Inc., 6100 4th Ave S, Seattle, WA 98108, (CA license No. 0G22803, NPN 9588590).  Trupanion policies are underwritten by Accelerant Insurance Company of Canada or GPIC Insurance Company, and sold and administered by Canada Pet Health Insurance Services, Inc. dba Trupanion, 309-1277 Lynn Valley Road, North Vancouver, BC, V7J 0A2, a registered damage insurance agency and claims adjuster in Quebec #603927. To verify your underwriter please consult the declarations page of your policy or contact us at 1.888.733.2685.

Rated #1 in America based on survey commissioned by dvm360 from 3/30-5/1/2023.
Trupanion software required at the veterinary hospital with veterinarian-approved direct bill pay. Visit our website to see if your veterinary hospital accepts direct payment.
Veterinarians are not compensated for providing testimonials.
The cost of veterinary care includes rising veterinary prices, more comprehensive care for pets, and changes in how veterinary care is utilized.
Trupanion claims data based on averages for real member claims and are intended as informative examples only. Treatment costs can vary greatly between pets and location.
30-Day Money-Back Guarantee not available in the state of NY, or if a claim has been paid within the first 30 days.

State Notices and Disclosures: California | Delaware | Florida | Louisiana | Maine | Maryland | Mississippi | Montana | Nebraska | New Hampshire | Ohio | Pennsylvania | Rhode Island | Vermont | Washington

Breeder and Shelter Offers
Breeders and shelters are not compensated for providing this offer. This special offer is available for pets up to 14 years of age when activated anytime from 24 hours before until 24 hours after going home to their new family in the US and Canada. Florida buyers may activate anytime from match date to 24 hours after go-home. Offer not available in NY. This offer is non-transferable. Limit one per pet. Offer programs vary based on where you live. For residents of CA, ID, FL, OH, PA, PR, SC, and WA, your monthly payment is discounted the first year of this plan, and we also collect the first month’s discounted cost over months 2 through 12 of your first year as part of your monthly cost. Terms and conditions apply. See the policy on our website.

Exam Day Offers
Veterinary staff are not compensated for providing this offer. This special offer is available for pets up to 14 years of age when activated within 24 hours following a veterinary examination. This offer is non-transferable. Limit one per pet. Offer programs vary based on where you live. Offer not available in NY. For residents of CA, ID, FL, OH, PA, PR, SC, and WA, your monthly payment is discounted the first year of this plan, and we also collect the first month’s discounted cost over months 2 through 12 of your first year as part of your monthly cost. Terms and conditions apply. See the policy on our website.
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