Dog insurance that’s as non-stop as they are
No Limits or Sub-limits*
Breed-specific conditions covered
High 90% cover
24/7 customer service
What does quality dog insurance cover?
You pet may know how to “speak”, but they can’t always tell you when they’re not feeling well. When your pet is sick or injured, you want to get them the best care available without having to worry about cost. Other insurers can have limits and/or sub limits that can be reached quickly in times of need, leaving you out of pocket or unable to continue treatment right when you need to most.
We keep paying for all covered conditions, no matter the cost. This includes hospital stays, diagnostic tests, medications, surgeries, and other treatments that arise when your furry family member is sick or hurt. Cover kicks in after you meet your excess (if you’ve chosen one).
We keep paying for all covered conditions, no matter the cost. This includes hospital stays, diagnostic tests, medications, surgeries, and other treatments that arise when your furry family member is sick or hurt. Cover kicks in after you meet your excess (if you’ve chosen one).
Prosthetic devices & carts
What’s not covered~
- Exam and consultation fees
- Routine and preventative care
- Pre-existing conditions
Extra cover
- Recovery and complementary care for behavioural issues, and approved alternatives and rehabilitative therapies.
- Pet Owner Assistance Package includes coverage for holiday cancellation due to a sick pet, pet property damage and more.
Waiting periods
- Cover includes all new injuries or illnesses that develop after waiting periods.
- Trupanion pet insurance (cat insurance and dog insurance) have waiting periods that last 5 days for injuries and 30 days for illness.
~For full list of exclusions, please see the Product Disclosure Statement (PDS)
What we do not exclude
At Trupanion, we do not exclude any conditions or breed-specific ailments, including hereditary and congenital conditions, as long as symptoms were not evident before you signed up. All new injuries and illnesses are eligible for cover.
If your dog pulls a muscle, develops allergies, or is diagnosed with hip dysplasia or lymphoma, we’ll be there. Arthritis, eating your chocolate stash, confusing your underpants for food, or breaking a bone? If we’ve covered it before, and we’ll do it again.
How much does dog insurance cost?
You know better than anyone that your dog is one of a kind. That’s why your dog’s premium is calculated for them based on a few different factors.
With our optional flexible excess, you can pick an excess that works for your budget. You can pick any amount up to $1000- or you can choose to skip having an excess at all. You can change your excess at any time by giving us a call.
When should I get dog insurance?
The best time to think about insurance for your dog is when they’re young and healthy (puppy or adult). Every dog is prone to certain types of illnesses and injuries in each stage of life, and insurance helps you to be prepared every step of the way.
TIP: No dog insurance provider covers pre-existing conditions. Insuring your dog when they’re young or when you first bring them home helps you to get the most out of your cover because they’re less likely to develop pre-existing conditions.
Are you prepared for a surprise vet bill?
We’re here to make sure your dog can get the veterinary care they need, when they need it. And unlike other providers, we’ll never limit the amount or how many times we pay out.
How it works
You receive a $3000 bill after Kenny fractures a leg.
Eligible veterinary costs
$3,000
We cover 90%
$2,700
You pay:
your portion ($300) + excess ($200)
$500
Based on a member plan with 90% cover and a $200 excess. See our policy for full coverage details.
How does puppy insurance work?
We’re the world’s first (and only!) pet insurance provider to offer direct payment at checkout. No waiting. No hassle. No worries.
Frequently asked questions
If your dog needs unexpected veterinary care, it can quickly become very expensive and having dog insurance can help cover the costs.
In the traditional model, you pay the upfront costs of care on the day of treatment and make a claim. It’s processed, which can take days and weeks. Then you’re reimbursed up to a set percentage. With Trupanion, we can pay your vet directly at the time of checkout so your pet can receive the care they need without the financial stress of waiting to be reimbursed.
Dogs come in all shapes and sizes, and their health insurance cover is no different. Trupanion dog insurance prices can vary greatly between pets and are primarily based on the following 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!
In addition to this, you can pick a price that works for your budget with our optional flexible excess. If you want an excess, you can pick any amount up to $1000—or you can choose to skip having an excess at all. You can increase your excess at any time by giving us a call.
You can see your personalised price now with a quick quote for your dog.
Trupanion has a fair and unique pricing model, learn about how different our pricing is here in Australia. We’re here to show Australia how great pet insurance can be.
At Trupanion, we believe that all dogs — big or little, purebred or mixed — deserve access to the veterinary care they need. This is why we do not impose breed restrictions and cover all dog breeds.
The one exception to this is in our coverage for dog breeders.
The one exception to this is in our coverage for dog breeders.
Yes! We cover all kinds of dogs, including service dogs.
We do not cover spay or castration for dogs for a specific reason. Spay and castration are both considered voluntary procedures as well as something you can plan and budget for. We’re here so your dog’s new, unexpected veterinary costs aren’t a financial burden or obstacle to your pet receiving the care they need. By not covering expected or unnecessary treatments, we can ensure that you get the most value out of your dog health insurance plan.
The best time to think about insurance for your dog is when they’re young and healthy (puppy or young adult). Every dog is prone to certain types of illnesses and injuries in each stage of life, and insurance helps you be prepared every step of the way.
TIP: No dog insurance provider covers pre-existing conditions. Insuring your dog when they’re young or when you first bring them home helps you get the most out of your cover because they’re less likely to develop pre-existing conditions.
All it takes to get started is to get a quote.
We’re always ready to help
Our customer care team is available 24/7/365.
