Trupanion Puppy

  • Can pay vet hospitals in seconds
  • Unlimited payouts
  • Coverage for all new, unexpected
    illnesses & injuries
Trustpilot excellent rating

Survey commissioned by dvm360, from 3/30-5/1/2023. Read more.


Congratulations on your new puppy!

This is an exciting time, and we know you just want to cuddle with your new pal, snap photos, and shower them with toys. But don’t forget to set them up for a lifetime of good health!

While you can’t predict the future, you can prepare for it. Puppy insurance helps protect you from financial hardships when your dog gets sick or hurt. Scroll down for some puppy insurance FAQs to help you decide if Trupanion is right for you (hint, we think it is).

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What does Trupanion puppy insurance cover?

Our puppy insurance provides protection for all new injuries and illnesses.

  • New illnesses & injuries
  • Hereditary conditions
  • Breed-specific
  • Diagostic tests
  • Surgeries
  • Medications



Learn more about our coverage

Now is the best time to protect your pup.

We know it sounds cliché, but there’s truly no better time than the present to protect your puppy for life and ensure new illnesses and injuries are covered (learn about pre-existing conditions).

What is puppy insurance?

Puppy insurance gives you one less thing to worry about amid all the responsibilities that come with dog ownership. When it comes to your puppy’s health, it’s important to be prepared for the unexpected. After all, nobody wants to get stuck with unexpected veterinary bills that can cost you thousands of dollars (or more!).

With Trupanion, you won’t have payout limits, and we'll never cut off care or raise rates just because your dog is unlucky or develops a chronic condition. We cover eligible costs for all new injuries and illnesses, including emergency care, surgeries, and other unexpected costs pet parents face every day.

We should also mention that we’re here to help 24/7 (because as any good pet parent knows, emergencies don’t only happen during typical business hours).

When's the best time to get puppy

We know what you might be thinking — why should I get pet insurance when my dog is young and healthy? Well, the truth is that nearly half of all puppies have a claim within their first year with Trupanion. It’s also true that the best time to get insurance is while your dog is still a puppy, simply because you’ll get the best value out of your coverage:

  • More conditions covered - The younger the pet, the less likely they are to have pre-existing conditions. This means your pal will have more conditions that are coverable throughout their lifetime.
  • Lowest cost - With Trupanion, we base your monthly cost for life on your puppy’s age when they enrolled. So, if you enroll your pet when they’re a puppy, they’ll always be priced as a puppy (even when they’re a senior dog).

How much does puppy insurance cost?

We want our members to be comfortable with their monthly cost, so we put the power in your hands. Because of this, the cost of puppy insurance varies based on a number of factors, including your own financial preferences. With our flexible pricing options, you can find a monthly cost that works for your wallet.

Do I need puppy insurance?

While we’re obviously a little biased…. our answer is yes, you need puppy insurance. We’re pet parents just like you, so we understand how stressful it is when your beloved pet is sick or hurt. Puppy insurance helps remove the stress of wondering if or how you’re going to pay for their care. In the long run, it’s so much easier to budget for a routine monthly cost than a large, unexpected bill.

Pet medical insurance with Trupanion is like having access to a bottomless bank account for those unexpected vet bills— you get peace of mind knowing your dog can get the care they need when they’re sick or hurt.

How does puppy insurance work?

Hospital vet image
Take your puppy to any veterinarian in the US, Canada, or Puerto Rico.
No payout limit image
Get your pet the care they need.
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Submit your invoice (if they’re set up for Vet Direct Pay, your veterinarian will take care of this for you).
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We’ll process your invoice and pay our portion of the bill.

Are you prepared for a $3,000 vet bill?

Veterinary treatment costs add up fast. We’re here to help.

Learn about claims

How it works

You receive a $3000 bill after Kenny fractures a leg.

Veterinary bill


We cover 90%
minus your deductible


You pay:
10% + your deductible


Claim amount data based on real-life Trupanion claims covered at 90% with a $0 deductible. Coverage details can vary by individual and location. Please view our policy for more information.

Claim amount data based on real-life Trupanion claims covered at 90% with a $0 deductible. Coverage details can vary by individual and location. Please view our policy for more information.

Learn about claims

Trupanion care in action

We could tell you about all the pets we’ve helped, but we’d rather show you!



Vale, OR

CCL Tear, Histiocytic Sarcoma



Seattle, WA

Lymphoma, Elbow Fracture



Somerset, NJ

IBD, Pancreatic Enzyme Deficiency



Richmond, CA

Seizures, Giardia, Wound on Leg



New York, NY

Nasal Arterial Bleeding

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How can one puppy rack up a $57,044.57 bill?

Easier than you’d think. That’s how much we paid for one puppy — yes, just one puppy! — under one year of age in a single claim. With Trupanion, he was able to receive the care he needed.

Trupanion can pay veterinarians directly, in seconds

Did you know we’re the only pet health insurance provider that can pay vets directly at checkout from appointments?

Discover Vet Direct Pay
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Loved by pet parents everywhere

We don’t like to brag, but...

Insurance for responsible dog breeders & their litters

Dog insurance for breeding pets

Regardless of if you breed purebred or designer puppies, you can add protection for breeding pets when you enroll in a Trupanion policy for an additional cost.

If you’d like to get a Trupanion plan with (or without) breeding coverage for your dog, give us a call to learn more. Signing up is quick and easy, and we’re available 24/7.

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Trupanion's Breeder Support Program — puppy insurance for your litters

If you’re a breeder and want to help buyers avoid financial surprises, so they can keep their puppy happy and healthy for years to come, join our Breeder Support Program at no cost!

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