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

*Terms, conditions, excess & exclusions apply.

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).

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.

Choose your personalised excess now with a quick quote for your dog.

Get a quote

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.

All it takes to get started is to get a quote.

Get a quote

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.

Find out more about our claims process

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

When your dog needs unexpected veterinary care, the costs can add up fast. A good dog insurance plan helps cover the costs so you can say “yes” to the treatment your pet needs without worrying about finances.

In the traditional dog insurance model, you pay the upfront costs of care on the day of treatment, then make a claim and wait for reimbursement. At Trupanion, we’re changing this model by being able to pay veterinarians directly on the day of treatment. This means less waiting and less financial worry for you, allowing you to spend more time focused on your dog’s health and recovery.

Dogs come in all shapes and sizes, and their health insurance coverage 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 dog health insurance rate, get a quote now or give us a call!

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. We still cover all breeds, but coverage for certain conditions may be limited for specific breeds.

Yes! We cover all kinds of dogs, including service dogs.

We do not cover spaying or neutering for dogs for a specific reason. Spaying and neutering 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.