Cat insurance · Protecting pets since 2000
You didn't choose your cat. Your cat chose you.
They picked you, settled into the sunniest spot, and promptly claimed your heart. Trupanion cat insurance covers up to 90% of covered vet costs with no payout limits, so when they need you, the answer can always be yes.
NEW KITTEN? CONGRATULATIONS ON YOUR TINY AGENT OF CHAOS.
The earlier you enroll, the more coverage you can count on.
Protection for the unexpected
We cover most of the of vet costs when curiosity gets the better of them.
No payout limits now or ever
$0 annual or lifetime caps. Your cat may live to 20 out of pure spite. We're in for all of it.
Covers conditions for life
Cats commit to their people and so do we. Once a condition's covered, it stays covered.
Cat Insurance Coverage
What's covered and what isn't
Your cat will keep you guessing. Your coverage won't.
COVERED
NOT COVERED
Surgeries & hospitalization
Your cat found the one piece of ribbon and ate it. Emergency or planned surgery, anesthesia, post-op, and overnight stays
Prescription medications
The daily pill your cat will pretend to swallow and then leave behind the couch is covered for as long as they need it
Diagnostic tests
They’re “fine.” They’re always “fine.” X-rays, ultrasounds, CT, MRI, bloodwork, and more to find out what they aren’t telling you
Emergency & specialists
Cardiologist, urology specialist, or the 2 a.m. emergency treatments are all covered the same as your regular vet, even at their most theatrical
Advanced dental
That same mouth that purrs also has occasional problems. Protection for extractions, fractures, gum disease, the painful lesions cats get, and more.
Cancer
Diagnosis, treatment, chemotherapy, radiation, surgery are covered no matter the cost
Breed-specific conditions
They may have inherited more than their good looks. Heart disease in Ragdolls, kidney disease in Persians, breathing issues in Himalayans, and more–we cover the whole bloodline
Urinary issues
Welcome to the litter box drama. Blockages, crystals, cystitis, and all the urinary stuff nobody warns you about. Covered, and surgery included if needed.
Long-term care
When age brings the senior conditions like kidney disease, thyroid issues, and diabetes, they stay covered for life so they can grow old, gracelessly
Your cat found the one piece of ribbon and ate it. Emergency or planned surgery, anesthesia, post-op, and overnight stays.
The daily pill your cat will pretend to swallow and then leave behind the couch is covered for as long as they need it
They’re “fine.” They’re always “fine.” X-rays, ultrasounds, CT, MRI, bloodwork, and more to find out what they aren’t telling you
Cardiologist, urology specialist, or the 2 a.m. emergency care are all covered the same as your regular vet, even at their most theatrical
That same mouth that purrs also has occasional problems. Protection for extractions, fractures, gum disease, the painful lesions cats get, and more.
Diagnosis, treatment, chemotherapy, radiation, surgery are covered no matter the cost
They may have inherited more than their good looks. Heart disease in Ragdolls, kidney disease in Persians, breathing issues in Himalayans, and more–we cover the whole bloodline
Welcome to the litter box drama. Blockages, crystals, cystitis, and all the urinary stuff nobody warns you about. Covered, and surgery included if needed.
When age brings the senior conditions like kidney disease, thyroid issues, and diabetes, they stay covered for life so they can grow old, gracelessly
Wellness & routine care
Everyday care like parasite prevention, spaying and neutering, and vaccinations are not included
Pre-existing conditions
Anything your cat had or showed signs of before coverage started isn't eligible
Vet exam fees & taxes
These costs are easier to plan for ahead of time with your cat, so they fall outside your policy
Preventable conditions
Preventable issues, like certain parasites and dental problems from missed cleanings, aren't covered
Everyday care like parasite prevention, spaying and neutering, and vaccinations are not included
Anything your cat had or showed signs of before coverage started isn't eligible
These costs are easier to plan for ahead of time with your cat, so they fall outside your policy
Preventable issues, like certain parasites and dental problems from missed cleanings, aren't covered
Cat insurance for lifelong care
So your cat can get back to their windowsill
Every Trupanion cat insurance policy is built around the belief that treatment costs shouldn’t make a hard moment harder.
Coverage
90%
We pay this share of the covered costs so you don’t shoulder the burden alone
Deductible
$0 - $1,000
Set per condition, for life. Pay it once and never worry about annual resets.
Payout limit
Unlimited
No annual limit. No lifetime limit. The bill can be $5,000 or $50,000 and we will always cover our share.
Vet freedom
Any vet
Choose any licensed vet in the US, Puerto Rico, or Canada. Specialists and ERs included.
How VetDirect Pay™ works
We handle the bill. You handle the carrier negotations.
Most providers make you pay upfront and then you have to wait weeks for a check. We do things differently. Trupanion can pay the bill before you’ve even bribed your cat back into the carrier.
Go to any veterinarian
Choose any licensed vet, specialist, or ER clinic in the US, Puerto Rico, or Canada
We pay our share
Your vet bill is paid instantly at checkout, with no need to file a claim yourself
You stay covered for life
The condition(s) treated stays covered as long as you're a member
Cost of care for cats
What you pay with
and without Trupanion
Select a condition to see typical vet costs and how much Trupanion coverage can reduce what comes out of your pocket.
Without Trupanion
Up to $15,000
full bill, out of pocket
With Trupanion
Up to $1,500
deductible + 10% of remainder
Without Trupanion
$15,000
With Trupanion
$1,500
Chronic kidney disease (CKD) is one of the most common chronic conditions in cats, requiring lifetime treatment and care. Cost to treat can be up to $15,000. With 90% Trupanion coverage, you'd pay as little as $1,500.
Without Trupanion
Up to $10,000
full bill, out of pocket
With Trupanion
Up to $1,000
deductible + 10% of remainder
Without Trupanion
$10,000
With Trupanion
$1,000
Hypertrophic cardiomyopathy (HCM) is one of the most common chronic conditions in cats, requiring lifetime treatment and care. Cost to treat can be up to $10,000. With 90% Trupanion coverage, you'd pay as little as $1,000.
Without Trupanion
Up to $15,000
full bill, out of pocket
With Trupanion
Up to $1,500
deductible + 10% of remainder
Without Trupanion
$15,000
With Trupanion
$1,500
Feline Idiopathic Cystitis (FIC) is one of the most common chronic conditions in cats, often requiring surgery and lifetime treatment. Cost to treat can be up to $15,000. With 90% Trupanion coverage, you'd pay as little as $1,500.
Trupanion cat insurance reviews
Real stories,
real lives saved
covered over $7,000 for treatment for Feline Infectious Peritonitis (FIP)
"Trupanion literally SAVED my little Balinese kitten, Teddy's life! He was diagnosed with FIP at a very young age, and Trupanion has been there through hospitalization and ongoing medication supporting his recovery every step of the way. I am beyond grateful! And so is Teddy!!!"
Elizabeth Morrill, Wayne, PA
COVERED OVER $8,000 FOR surgery to remove urethral blockages
"Trupanion helped Joey through 2 urinary blockages. We're both so grateful!"
Sharon Wasserman, Atlanta, GA
covered over $11,000 for treatment for seizures and Feline Chronic Gingivostomatitis (FCGS)
"Trupanion has been amazing. We adopted Jack, a Maine Coon who seems to have been born with some developmental challenges. Trupanion has been there from the beginning, and now he is a healthy cat with a long life ahead of him. We are grateful to Trupanion for helping us through the challenges and now letting us enjoy this perfect cat."
Joan Nazario, Houston TX
COVERED OVER $6,000 FOR hospitalization for pneumonia
"Allowing a kitten a chance at life! Within 4 days of getting this cat he was in an oxygen tank to save him from the pneumonia he got from kennel cough."
Audri Perron, Webster, MA
FREQUENTLY ASKED QUESTIONS
Common
questions about
cat insurance
Common questions about dog insurance
Need additional help?
855.210.8749
Your cat can't
prepare for what's
coming. You can.
They say cats have nine lives, and we're here to protect
every one of them. Get a personalized quote in under two minutes.
No commitment required.
Cost per condition sourced from vet.cornell.edu and petmd.com June 2026.
