Cat insurance that cares for them like you do

right-icon#1 in America, as chosen by vets

right-iconUnlimited payouts for all nine lives

right-iconOver 136,000 cats and kittens protected

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

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What makes Trupanion cat insurance the best?

Cats can be unpredictable. Their health insurance shouldn’t be. We provide convenient and comprehensive coverage — plus unlimited payouts and vets paid directly at feline speed.


No caps ever

We never limit the amount we pay out, so your pet can always get the best care.


The fastest payouts

The world’s only provider to pay the bill in real-time at checkout – no waiting, no worries.


Trusted by vets

Over 25 years of helping vets treat pets, with $2 billion paid and counting!


Loved by 1 million pet parents

8 out of 10 members say our coverage helped save their pet’s life.

Know they’re covered, from whiskers to

At Trupanion, we do cat insurance differently. Enjoy peace of mind with comprehensive coverage for whatever comes up in your kitty’s nine lives.

Hereditary conditions

Unidentified issues

Unexpected injuries

Diagnostic tests

Breed-specific conditions

Advanced dentistry


Hospital stays


Veterinary supplements

Herbal therapy

Prescription food

Don’t let vet bills catch you off guard

With the right cat health coverage at your side, you can just say “yes” to your pet’s treatment without worrying about how to afford it. Oh, and we’ll never limit the amount or how often we pay out either.

Based on a $3,000 bill:

We pay 90%


You pay:


Based on a member plan with 90% coverage and a $0 deductible. See our policy for full coverage details.


Cat illnesses and injuries can cost more than you think

We’ve paid over $2 billion in veterinary invoices, and we’ve learned some things along the way. About 45% of kittens will need veterinary care before their 1st birthday, and the costs for cat health in general can be tough to predict.

  • $10,161 - the highest payout for a single kitten
  • $1 million in cat allergies covered since 2018 alone
  • 89,200 veterinary invoices paid for cats in 2022

No more claims. We pay first. Vet Direct Pay

Heading underline
We’re the world’s first (and only!) pet insurance provider to offer direct payment at checkout. No waiting. No hassle. No worries.

Your pet gets the treatment they need

Our software sends us the bill in seconds

We pay the vet directly at checkout

Discover Vet Direct Pay

Real stories, real savings

We helped all these cats get the best care and
saved their pet parents thousands in the process.

customers dog


Gwynn Oak, MD

Urinary Obstruction

customers dog


Gladstone, OR

CLD, IBD, pica, hypertrophic cardiomyopathy, hyperthyroidism

customers dog


San Francisco, CA

Congestive heart failure

customers dog


Peyton, CO

Giardia, Trichomonas, Irritable Bowel Disease (IBD), Pancreatitis, UTI

customers dog


Jacksonville, FL

Skin and Stomach Issues


Our promise to you

  • We put pets before profit. If vet costs are lower than expected, we’ll pay it back.
  • We won’t increase rates just because your cat gets older.
  • We’ll never make you pay more for using your coverage.

Frequently asked questions

If your cat needs unexpected veterinary care, it can quickly become very expensive. A good cat insurance policy helps cover the costs and enables you to get the best treatment for your pet.

In the traditional cat insurance model, you pay the upfront costs of care on the day of treatment and make a claim. Then you have to wait for reimbursement, which can take days and weeks. With Trupanion, we can pay veterinarians directly on the day of treatment, with 80% of payments made within 5 minutes. This means less waiting and less financial worry for you, allowing you to spend more time focused on your pet’s health and recovery.

From indoor to outdoor and purebreds to mixed breeds, every cat is different. This means pricing varies from pet to pet.

Our cat insurance prices are based primarily on these factors:
  • Age
  • Breed
  • Location
  • Gender
For the best idea of what to expect with your cat health insurance rate, go ahead and get a quote or give us a call!

Absolutely! Even though they aren’t spending their days wandering outside among dangers, indoor cats are still at risk for a wide range of illnesses and injuries.

No, and that’s because vaccinations are considered a part of routine / preventive care. By not covering the regular, expected portions of your cat’s healthcare that you can budget for, we are able to provide the best-value cat insurance coverage for everything you can’t predict.

Generally speaking, the earlier you get cat insurance for your pet, the better. This is because kittens are at high risk of surprise illnesses as their immune systems are still developing. Additionally, like almost all pet insurance providers, we do not cover pre-existing conditions. So, the earlier you insure your cat, the more illnesses and injuries will be covered throughout their lifetime.
Read more frequently asked questions
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