What does a Trupanion pet insurance policy cover?

From nose to tail, we’ve got your pet is covered:

Hereditary conditions your breed is prone to inheriting
Unidentified issues, even if your pet doesn't have an official diagnosis
Congenital conditions your pet developed before birth

Your pet deserves comprehensive care

Most cats and dogs will need veterinary attention at some point in their life, and there’s no knowing how serious things could be or how much it could cost. This is where Trupanion pet health insurance can make a significant difference.

Trupanion coverage is robust and tailored to have your pet’s back for all new and unexpected injuries and illnesses. Our coverage is based on the actual prices veterinarians charge for care — from diagnostic testing and medications to hospitalizations and everything in between. We never impose payout limits, so you can rest assured your pet has access to the best veterinary treatment when they need it most.

Dog and cat coverage that goes the distance

We’re taking a boldly different approach to pet medical care, focusing on your pet’s wellbeing while giving you value. The conditions and treatments we cover included but are not limited to:

Hereditary & congenital conditions

Cherry eye
Diabetes
Hip dysplasia
Thyroid disease
Cancer
Heart disease
Urinary obstructions
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

Coverage for everything dog and cats get into

Since our founding over 20 years ago, we’ve paid over $2 billion to Trupanion members to help with medical care for all of these conditions:

Cats Cats

Arthritis
Cancer
Emesis
Epilepsy
Inflammation
Hexahydrate
Hyperglycemia
Keratitis
Skin allergies

Heart disease
Diabetes
Liver disease
Hyperthyroidism
Mass
Leukocytosis
Polyp
Lipoma

Dogs Dogs

Arthritis
Cancer
Emesis
Epilepsy
Inflammation
Hexahydrate
Hyperglycemia
Keratitis
Skin allergies

Heart disease
Diabetes
Liver disease
Hyperthyroidism
Mass
Leukocytosis
Polyp
Lipoma

What about routine wellness care costs?

When it comes to wellness care, we don't feel we should charge you extra for something that you can expect. After all, good pet insurance coverage is all about making sure you can handle unexpected veterinary costs as they arise. Accidents and surprise illnesses become costly very fast, and without the right coverage, pet parents may find themselves having to choose between their pet’s health and staying afloat financially.

So, why pay a middle man to handle your pet’s regular wellness costs when they are something you actually can plan and budget for? This is why we at Trupanion have made a deliberate choice not to cover wellness and preventive care or exam fees. By not doing so, we can ensure you get the most value out of your coverage.

How we compare

	Nationwide	Embrace	Fetch
Coverage for all new, unexpected injuries & illnesses	Major Medical plan does not cover congenital or hereditary conditions (the things most likely to happen to certain breeds). In all plans other than Whole Pet with Wellness, no coverage for cruciate ligament injuries until 12 months after enrollment. Can deny conditions previously covered at annual renewals.	No coverage for hip dysplasia until 12 months after enrollment. No coverage for supplements, vitamins, or food. No coverage for dental illness. Coverage options at enrollment may be reduced based on a pet’s breed.	No coverage for orthopedic issues until 6 months after enrollment. Dental coverage limited to $1,000 per year (the coverage is available in most states).

Comparison information above is provided using publicly available information as of 3/14/2023 and is only meant to summarize program features, not a specific plan. Review each provider’s plan terms for more details. We work to provide fair and accurate comparison information. However, it may change from time to time and may not be updated immediately. If you are aware of any inaccuracies in the information provided, please email us at [email protected].

When you call to sign up, we'll help you choose the deductible that offers the best value for you. Our award-winning specialists will go over:

Your pet's breed
Your pet's age
Your desired budget

Interested in customizing your pet's medical insurance price? Take just five minutes and call us at 855.210.8749.

Best friends deserve the best care

From lovable mutts to specific breeds, we help all kinds of dogs and cats get the veterinary treatment they need. We’re here for your pet for life.

Get my quote

Here for you, so you can be there for them

When your pet needs unexpected veterinary care, worrying about finances shouldn’t get in the way. Trupanion has your back, so you can focus on what matters most.

Get my quote