Meet the best pet insurance

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Protecting dogs and cats for over 25 years.

right-iconUnlimited payouts for life

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right-iconVoted #1 pet insurance by veterinarians


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Do you have an offer from your veterinarian or breeder?

Take just a few minutes to activate your Exam Day Offer or Go Home Day Offer and get immediate coverage for your pet.
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What a top-rated pet insurance plan looks like 

No-payout-limits
No caps ever
We never limit the amount we pay out, so your pet can always get the best care.
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The fastest payouts
The world’s only provider to pay vet bills in real-time at checkout — no waiting, no worries.
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Trusted by vets
Over 25 years of helping vets treat pets, with $3 billion paid and counting!
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Loved by 1 million pet parents
8 out of 10 members say we helped save their pet’s life from a serious condition.
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dog with vet and badge of 2 billion dollars in invoices paid

#1 in America,
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as chosen by vets

Veterinarians want to provide the best care, without worrying about the costs to pet parents. With our unlimited coverage, they can focus on what matters most — your pet's health.

“We have so many clients that have Trupanion... Every time a patient is able to receive complete and expeditious care, we reduce suffering, owner stress, and worry.”

Dr. Pamela Kaiser, Jacksonville, FL

Pet insurance coverage you can count on

Your pet means everything to you. So, we provide coverage for everything they need.
Hereditary Conditions

Hereditary conditions

Unidentified issues

Unidentified issues

Unexpected injuries

Diagnostic tests

Breed-specific conditions

Advanced dentistry

Allergies

Hospital stays

Medications

Veterinary supplements

Herbal therapy

Prescription food

Prescription food

Read more about coverage
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Not a member yet? Get the care your pet deserves

We provide medical coverage for pets that's with you from the adorable puppy and kitten years to those sweet, sunset moments.

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Why wait for reimbursement? Meet VetDirect Pay™

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We’re the world’s first 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 VetDirect Pay™

Pet health coverage with confidence

Whether your pet woofs or meows, our pet insurance protects all breeds against unexpected injuries and illnesses.
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Dog Insurance

For all breeds and sizes
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Cat Insurance

For indoor and outdoor cats
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Saving the day for pet parents like you

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“I found comfort in the knowledge that despite the fact that I did not know what was in store for Dresden in the days to come, I would not have to shoulder the financial burden alone.”

Over $2,500 paid for Dresden

with a Trupanion policy

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“I am profoundly thankful for the peace of mind I get from having Jiminy insured with Trupanion, knowing that I can give him a bright future full of new experiences, adventure and restful moments together!”

Almost $20,000 paid for Jiminy

with a Trupanion policy

white persian cat on floor with portable water bottle

“He was so tiny and helpless, and this was truly the most traumatic thing I could imagine. Harold's animal hospital went directly through Trupanion, so I never saw a bill while this was all going on.”

Over $10,000 paid for Harold

with a Trupanion policy

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Frequently asked questions

No! We understand that some other pet insurance providers may apply limits or certain rules to veterinary emergencies or conditions requiring specialist care. But with Trupanion, your coverage percentage will never be reduced if your pet is referred to a specialist or emergency animal hospital. After all, accidents happen, and you never know what kind of situation your pet may wind up in. We want your furry friend to get the care they need, wherever they need it.

Any one you like! Some pet health insurance providers may limit you to a “veterinary network” of animal hospitals, but we believe your pet deserves the best care regardless of location. With a Trupanion plan, you're free to go to any licensed veterinarian in the United States, Canada, or Puerto Rico. And yes, this includes specialists and emergency hospitals.

Unlike a lot of other pet insurance companies with earlier cutoff dates, we welcome new dogs and cats up to age 14 here at Trupanion. However, we do recommend signing up your pet as early as possible so they can get the most out of their coverage throughout their lifetime.

Wondering why we chose age 14? After closely examining years of veterinary data, we chose age 14 because it’s on the higher side of a pet’s average lifetime expectancy (for both dogs and cats). We also wanted to give pet parents like you ample time to sign up beloved pets for years of valuable coverage.

Yes. Although some pet insurance providers do not cover hip dysplasia, this coverage is built into Trupanion's core coverage. Both large and small dogs may develop this genetic disorder, and our medical insurance will cover it as long as it is not pre-existing.

Of course! We want you to feel confident in your decision to protect your pet with Trupanion, and we understand that life circumstances can change. This is why we make it easy to cancel your Trupanion policy at any time (for any reason). 

You can reach out to our experienced team at any time to ask questions about how a Trupanion plan works and discuss all your options. We’re available 24 hours a day, 365 days a year!

We don’t like to toot our own horn, but as pet owners and Trupanion members ourselves we think the difference is clear. Our lifetime coverage offers invaluable peace of mind for pet parents, ensuring that your furry companion receives the medical care they need no matter the cost. Unlike standard pet insurance plans, which may limit coverage as pets age or develop chronic conditions, our policy provides continuous coverage for both illnesses and injuries for the life of your pet.

In addition,  we’re the only pet health insurance company that can pay veterinarians directly at the time of checkout. And unlike many others, we have no payout limits, no matter how many times you need to use your pet’s coverage. Plus we welcome all dog and cat breeds, including brachycephalic pets and those at higher risk of certain conditions like hip dysplasia.

And that’s just the start! Take a look at our detailed side-by-side comparisons with other major pet insurance providers to learn more about how Trupanion stands out.
Read more frequently asked questions

We’re always ready to help

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

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About Us

Partners

Members

© 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. 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. Read more.
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.
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.
Based on Trupanion studies conducted in 2020 and 2023 analyzing third-party hospital invoice data, comparing pets insured with a Trupanion policy with pets without a Trupanion policy.

State Notices and Disclosures: Delaware | California | Louisiana | Maine | Maryland | Mississippi | New Hampshire | Nebraska | Ohio | Pennsylvania | Washington

Offers
Not valid in the state of New York. In CA, FL, ID, PA, SC, WA, and Puerto Rico, the monthly payment is discounted during the first year of this plan. We also collect the first month’s discounted cost over months 2 through 12 of the first year as part of our members’ monthly cost.

Breeder Offer
Breeders are not compensated for providing this offer. This special offer is available for pets 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. This offer is non-transferable. Limit one per pet. Offer programs vary based on where you live. For residents of CA, ID, FL, PA, PR, SC, and WA, your monthly payment is discounted the first year of this plan. 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 Offer
Shelter/Veterinary staff are not compensated for providing this offer. This special offer is available for pets 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. For residents of CA, ID, FL, PA, PR, SC, and WA, your monthly payment is discounted the first year of this plan. We also collect the first month’s discounted cost over months 2 through 12 of your first year as part of your monthly cost.

*Not available in NY
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