Cat insurance that cares for them like you do
No payout limits for all nine lives*
Can pay veterinarians directly
24/7 customer service
No excess or choose one to suit you
What does quality cat 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
*For full list of exclusions, please see the Product Disclosure Statement (PDS)
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.
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 cat pulls a muscle, develops allergies, or is diagnosed with a new, eligible condition, we’ll be there. If we’ve covered it before, and we’ll do it again.
How much does cat insurance cost?
You know better than anyone that your cat is one of a kind. That’s why your premium is calculated 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 cat insurance?
The best time to think about insurance for your cat is when they’re young and healthy (kitten or adult). Every cat 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 cat insurance provider covers pre-existing conditions. Insuring your cat 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.
Don’t let vet bills catch you off guard
With the right cat health coverage at your side, you can just say “yes” to your pet’s treatment without worrying about how to afford it. Oh, and we’ll never limit the amount or how often we pay out either.
*Terms, conditions, excess & exclusions apply.
Based on a $3,000 bill:
We pay 90%
$2,700
You pay:
$300
Based on a member plan with 90% coverage and a $0 deductible. See our policy for full coverage details.
How does cat insurance work?
Frequently asked questions
If your cat needs unexpected veterinary care, it can quickly become very expensive. A good cat insurance policy helps cover the costs and enables you to get the best treatment for your pet.
In the traditional cat insurance model, you pay the upfront costs of care on the day of treatment and make a claim. Then you have to wait for reimbursement, which can take days and weeks. With Trupanion, we can pay veterinarians directly on the day of treatment, with 80% of payments made within 5 minutes. This means less waiting and less financial worry for you, allowing you to spend more time focused on your pet’s health and recovery.
In the traditional cat insurance model, you pay the upfront costs of care on the day of treatment and make a claim. Then you have to wait for reimbursement, which can take days and weeks. With Trupanion, we can pay veterinarians directly on the day of treatment, with 80% of payments made within 5 minutes. This means less waiting and less financial worry for you, allowing you to spend more time focused on your pet’s health and recovery.
From indoor to outdoor and purebreds to mixed breeds, every cat is different. This means pricing varies from pet to pet.
Our cat insurance prices are based primarily on these factors:
Our cat insurance prices are based primarily on these factors:
- Age
- Breed
- Location
- Gender
Absolutely! Even though they aren’t spending their days wandering outside among dangers, indoor cats are still at risk for a wide range of illnesses and injuries.
No, and that’s because vaccinations are considered a part of routine / preventive care. By not covering the regular, expected portions of your cat’s healthcare that you can budget for, we are able to provide the best-value cat insurance coverage for everything you can’t predict.
Generally speaking, the earlier you get cat insurance for your pet, the better. This is because kittens are at high risk of surprise illnesses as their immune systems are still developing. Additionally, like almost all pet insurance providers, we do not cover pre-existing conditions. So, the earlier you insure your cat, the more illnesses and injuries will be covered throughout their lifetime.
We’re always ready to help
Our customer care team is available 24/7/365.
