WHAT DOES PET INSURANCE COVER
Coverage for whatever comes
Illnesses, injuries, and the conditions that develop later in life are all covered, with nothing capped along the way
Real members, real coverage
Our coverage in action
See how Trupanion pets were able to get the veterinary care they needed when it mattered most.
Intestinal blockage
Emergency care
Luxating patella
Chronic disease
Emergency surgery
Kalani, 1 yr old American Pitbull Terrier
A month after enrolling, Kalani needed emergency surgery for a mass on her head. A week later she needed a second one, this time for an intestinal blockage from a corn husk she'd swallowed.
The lifetime deductible
You meet your deductible once per condition for your pet's lifetime, and it never resets.
See how deductibles workReal Trupanion Pet Claim
Absecon Veterinary Hospital
Patient: Kalani
Mass lesion removal
$2,995
Treatment for acute vomiting
$2,249
Foreign body removal
$6,177
Total
$11,421
Family Paid
$3,351
Deductible (one-time, per condition)
$600
Trupanion Paid
$8,070
*** TRUPANION CAN PAY AT CHECKOUT ***
NO CLAIM FORMS · NO WAITING · NO REIMBURSEMENT
Get well soon, Kalani!
Total invoice based on a real member plan with 90% coverage on eligible costs with deductible applied. See our policy for full coverage details.
The lifetime deductible
You meet your deductible once per condition for your pet's lifetime, and it never resets.
See how deductibles work
Emergency care
Dalton, 16 week old Mixed Breed
Dalton was just a puppy, and after only 4 weeks in his new home, he had a serious accident. He fell off the bed and broke his elbow quite badly, requiring surgery and rehabilitative treatment to ensure it healed properly.
The lifetime deductible
You meet your deductible once per condition for your pet's lifetime, and it never resets.
See how deductibles workReal Trupanion Pet Claim
Central Island Veterinary Emergency
Patient: Daltan
Surgical Radiographs
$619
Anesthesia Induction + Monitoring
$3,680
Specialty Surgical + Hospitalization
$6,397
Total
$10,696
Family Paid
$2,051
Deductible (one-time, per condition)
$340
Trupanion Paid
$8,645
*** TRUPANION CAN PAY AT CHECKOUT ***
NO CLAIM FORMS · NO WAITING · NO REIMBURSEMENT
Get well soon, Dalton!
Total invoice based on a real member plan with 90% coverage on eligible costs with deductible applied. See our policy for full coverage details.
The lifetime deductible
You meet your deductible once per condition for your pet's lifetime, and it never resets.
See how deductibles work
Luxating patella
Lola, 2 yr old Toy Poodle
Due to a hereditary condition, Lola had luxating patellas in both knees. In order to correct, she had to have 3 surgeries and physical therapy.
The lifetime deductible
You meet your deductible once per condition for your pet's lifetime, and it never resets.
See how deductibles workReal Trupanion Pet Claim
Coral Springs Animal Hospital
Patient: Lola
Orthopedic surgery
$8,530
Orthopedic surgery
$7,215
Orthopedic surgery
$8,954
Total
$24,699
Family Paid
$4,303
Deductible (one-time, per condition)
$1,000
Trupanion Paid
$20,398
*** TRUPANION CAN PAY AT CHECKOUT ***
NO CLAIM FORMS · NO WAITING · NO REIMBURSEMENT
Get well soon, Lola!
Total invoice based on a real member plan with 90% coverage on eligible costs with deductible applied. See our policy for full coverage details.
The lifetime deductible
You meet your deductible once per condition for your pet's lifetime, and it never resets.
See how deductibles work
Chronic disease
Marvin, 9 yr old Domestic Shorthair
Marvin was diagnosed with diabetes two years ago. He was very ill and needed specialist care, diagnostics and treatments to save him. He is now on daily medications for the diabetes and thriving.
The lifetime deductible
You meet your deductible once per condition for your pet's lifetime, and it never resets.
See how deductibles workReal Trupanion Pet Claim
Caring Hands Veterinary Hospital
Patient: Marvin
Emergency hospitalization
$5,975
Diagnostics
$785
Total
$6,760
Family Paid
$1,387
Deductible (one-time, per condition)
$500
Trupanion Paid
$5,373
*** TRUPANION CAN PAY AT CHECKOUT ***
NO CLAIM FORMS · NO WAITING · NO REIMBURSEMENT
Get well soon, Marvin!
Total invoice based on a real member plan with 90% coverage on eligible costs with deductible applied. See our policy for full coverage details.
The lifetime deductible
You meet your deductible once per condition for your pet's lifetime, and it never resets.
See how deductibles workTrupanion VetDirect Pay™
We can pay your bill before you leave
With VetDirect Pay, we pay our share at checkout in seconds, so you don’t have to front the whole bill, hassle with claim forms, or wait for reimbursement.
LEARN HOW VETDIRECT PAY™ WORKSTrupanion pet insurance coverage
We cover what others won't
Life with a pet can be unpredictable. Your coverage shouldn't be.
Accidents & illnesses
New, unexpected injuries and illnesses
Bite wounds
Allergies
Swallowed foreign objects
Upper respiratory infections
Urinary obstructions
Kidney disease
Broken bones
Toxic exposure/ingestion
Hereditary & chronic conditions
Hip dysplasia
Heart disease
Cherry eye
Cancer and growths
Diabetes
Hip dysplasia
Urinary conditions
Thyroid issues
Nervous system disorders
Diagnostics & treatments
Advanced dentistry
Medications
Surgeries and hospital stays
X-rays, ultrasounds and CT scans
Prosthetic devices and carts
Veterinary supplements
Herbal therapy
Physical therapy
Behavioral therapy
Additional coverage
Learn more about our riders for additional coverage support
Recovery and Complementary Care
Rehabilitative therapy, acupuncture, hydrotherapy, chiropractic, behavioral modification, homeopathy, and naturopathy.
Pet Owner Assistance
Liability coverage for third-party property damage, advertising and reward, boarding fees, holiday vacation cancellation costs, and cremation or burial fees.
Breeding Coverage
Illnesses and injuries related to breeding, whelping, and queening.
New, unexpected injuries and illnesses
Bite wounds
Allergies
Swallowed foreign objects
Upper respiratory infections
Urinary obstructions
Kidney disease
Broken bones
Toxic exposure/ingestion
Hip dysplasia
Heart disease
Cherry eye
Cancer and growths
Diabetes
Hip dysplasia
Urinary conditions
Thyroid issues
Nervous system disorders
Advanced dentistry
Medications
Surgeries and hospital stays
X-rays, ultrasounds and CT scans
Prosthetic devices and carts
Veterinary supplements
Herbal therapy
Physical therapy
Behavioral therapy
Additional coverage
Learn more about our riders for additional coverage support
Rehabilitative therapy, acupuncture, hydrotherapy, chiropractic, behavioral modification, homeopathy, and naturopathy.
Liability coverage for third-party property damage, advertising and reward, boarding fees, holiday vacation cancellation costs, and cremation or burial fees.
Illnesses and injuries related to breeding, whelping, and queening.
We cover all of the essentials above
and so much more!
We cover all of the
essentials above
and so much more!
Want the fine print? Read a sample policy.
Medical record summary
You'll never have to guess what's covered
When you enroll, we review the health records your veterinary team shares with us and send you a personalized Medical Record Summary, so you always know what’s covered.
Understand what's pre-existing
We’ll flag any condition that began before your coverage started or during a waiting period, so there are no surprises later.
Access it anytime from your account
Your summary is always available in your online member account. Prefer to talk it through? Call us 24/7/365 and an expert will walk you through it.
With Trupanion, when your pet needs care, your coverage is clear.
What pet insurance doesn’t cover
What we don't cover and why
We leave out the costs you can plan for, so your premium goes toward the ones you can't.
Everyday care like parasite prevention, spaying and neutering, and vaccinations are not included. These are predictable costs you can plan for ahead of time as many vets offer wellness plans that often cost far less than insuring this type of care.
Anything your pet had or showed signs of before coverage started isn't eligible. This is why enrolling while your pet is young and healthy matters most and gives you the most coverage at the lowest premium.
The exam fee and taxes are a known part of every vet visit, and these costs can be budgeted for in advance. By excluding these, you won’t pay a higher price to include costs you already knew were coming.
Preventable issues such as certain parasites and dental problems from missed cleanings aren't covered, so be sure to follow your vet’s care plan for your pet.
Why choose Trupanion
Protection that lasts a lifetime
A policy is only as good as what you can count on it covering. Trupanion pet insurance includes every new illness, injury, and chronic care, and never stops paying out.
If it's new, it's covered
Every new, unexpected illness and injury, and chronic condition
Unlimited payouts for life
No annual, per-condition, or lifetime caps, no matter how high the bill gets
Up to 90% coverage
When you enroll, choose the payout percentage that meets your budget
No surprise exclusions
Your premium does not go up because you filed a claim or your pet needs care
Pet insurance coverage questions
Things pet parents often want to know
