Our pricing promise to you

All pets deserve high-quality veterinary cover for life* at a fair price without surprises — that's our commitment.

*Lifetime cover and excess is only applicable for pets that remain continually covered by Trupanion with no break in cover.

Pet health is always our priority

At Trupanion, we monitor veterinary costs over time and by location. We share the financial risk of pet injuries and illnesses, so our members always have access to the care their dogs and cats need for life.

To put it bluntly, we put pets before profit. We take a fixed amount to pay veterinary invoices and if costs are lower than expected, we’ll gladly pay it back.

The main factors we use to price your pet’s cost:

Changes in cost of veterinary care

Age of the pet when they are enrolled with Trupanion

Breed

Gender

Selected excess (optional range from $0 to $1000)

Pricing promise

Trupanion’s pricing promise is to share risks equally and fairly among the “lucky,” “unlucky,” or “average” pets. We do this by having a deep understanding of the average cost of care. With over 900,000 pets currently covered globally, over $2 billion USD paid in claims in North America alone (yeah, we said billion), and 20 years of experience, we have the ability to price your pet’s cover with unprecedented precision. This means we don’t arbitrarily increase prices because a pet is a year older or because they are unlucky and have to submit a claim.

How often will your price
change?

We are continually adjusting our pricing, up or down, as appropriate to approximate a consistent cost-plus target for new members. Anytime we change your price, it’ll be shown on your Certificate of Insurance and won’t change until renewal of your policy. That is, unless you move or there are corrections/changes to your policy.

We don’t increase prices because your pet is older at renewal – unique in Australia.

Birthdays should be celebrated! After you sign up, your price won’t increase because your pet gets a year older. If your pet signs up when they’re 2 years old, they’ll always be priced as a 2 year old. That’s why we encourage pet owners to sign up their pets as puppies and kittens.

We don’t punish unlucky pets- also unique in Australia

We don’t punish unlucky pets – also unique in Australia The reason you have insurance in the first place is to give you a safety net for when your furry friend gets sick or hurt. So we never penalise members for submitting claims by increasing their cost (honestly, we think that kind of defeats the whole purpose of having insurance). And with no payout limits*, your pet won’t “run out” of cover.

More than 98% of Trupanion members renew

Pet parents love our lifetime cover, and simple payment process — more than 98% of them renew their policy with us every month!

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Frequently asked questions

Every pet is different and so is the cost of their health insurance. A two-year-old golden retriever in Chicago might have a different monthly rate than a five-year-old female Siamese cat in a rural region. The veterinary care available in your area can also be a determining factor. We encourage you to get a quote or give us a call for a better picture of what your cost with Trupanion will be.

Any one you like! With Trupanion, you can use your coverage anywhere your pet needs care — any licensed veterinary clinic, animal hospital or specialty hospital in the United States, Canada, or Puerto Rico.

If your veterinarian is set up for Vet Direct Pay, you don’t have to file a claim and wait to be approved. We’ll receive your invoice via our software, and we’ll process it right then and there while you’re checking out from your appointment.

If your veterinary hospital is not currently set up for Vet Direct Pay, we will send you a check in the mail. You also have the option to receive your claims payment directly into a checking or savings account via direct deposit. You can set this up by calling 888.733.2685.

No, and there’s a specific reason for this. Instead of relying on discounts and other gimmicks brought on by reduced coverage or increased general rates, we provide quality pet medical insurance at the best-value costs possible right from the start.

There are many ways to pay for your monthly pet medical insurance rate with Trupanion. You can pay by debit card, credit card (Visa, MasterCard, or American Express) or set up monthly bank account withdrawals and your premium will automatically be charged each month. If you have questions about your specific coverage costs or paying for insurance in general, just give us a call.