What does a Trupanion policy cover?

With Trupanion, dogs and cats are covered nose to tail for:

• All new, unexpected illnesses and injuries
• Surgeries, diagnostic tests, and prescriptions
• Hereditary conditions your pet's breed is prone to inheriting
• Unidentified issues
• Congenital conditions your pet developed before birth

Dog and cat coverage that goes the distance

We’re taking a boldly different approach to pet medical care, focusing on your pet’s well-being while giving you value. The conditions and treatments we cover include but are not limited to:

Your pet deserves exceptional care

Most cats and dogs will need veterinary attention at some point in their life, and there’s no knowing how serious things could be or how much it could cost. This is where Trupanion pet health insurance can make a significant difference.

Trupanion coverage is robust and tailored to have your pet’s back for all new and unexpected injuries and illnesses. Our coverage is based on the actual prices veterinarians charge for care — from diagnostic testing and medications to hospitalizations and everything in between. We never impose payout limits, so you can rest assured your pet can get access to the best veterinary treatment when they need it most.

Coverage for everything dogs and cats get into

Since our founding more than two decades ago, we’ve paid over $3 billion to Trupanion members to help with medical care for all of these conditions (and more!):

Does Trupanion cover wellness care costs?

Some pet insurance providers offer wellness care coverage, but this often means that bigger ticket items like accidents and chronic illnesses don’t get the coverage they deserve. With us, we want to make sure you get the most out of your pet’s policy, and we don't feel we should charge you extra for things that you can anticipate and plan for as part of your pet’s routine healthcare.

Good pet insurance coverage is all about making sure you can handle unexpected veterinary costs as they arise. By not relying on your policy to cover things you can already plan and budget for and instead focusing on coverage for things like accidents and surprise illnesses, you can get the most value out of your pet insurance coverage.

What about exam fees?

Why pay a middle man to handle your pet’s regular care costs when they are something you actually can plan and budget for? This is why we at Trupanion have made a deliberate choice not to cover wellness and preventive care or exam fees. By not doing so, we can ensure you get the most value out of your coverage.