Puppy insurance for all breeds
A promise that’s
just beginning
A promise that’s just beginning
Bold, curious, and into absolutely everything, your puppy is just beginning to discover the world with you by their side. Trupanion puppy insurance covers up to 90 percent of vet costs with unlimited payouts, so the answer to whatever comes next can always be yes.
1 in 2 puppies need unexpected veterinary care before their first birthday.
Young dogs are curious, fearless, and still learning what is (and isn't!) safe to eat, chew, or chase. Unexpected care isn't rare. It's routine.
is puppy insurance worth it?
The first year is one big adventure
Starting coverage early means that when one of those moments comes, you have what you need to give them what they need.
Mixed breed, 6 months
Surprise illness
“I signed up my dog Salty, a certified search and rescue dog, with Trupanion as a puppy. Just two months later she was diagnosed with an intestinal disorder and Trupanion paid over $1,000 for her care. A few months after that she developed a limp and was diagnosed with Pythiosis. To date Trupanion has paid over $18,000 towards Salty’s ongoing care for these conditions.”
Victoria M., Salty’s mom
$18,757
Newfoundland, 8 months
Unlucky DNA
“Just 8 months after we got Benny we found out his front legs were not developing properly. Both were repaired at the same time. Then at 14 months old his rear ACLs blew. He had surgery on both legs, and had to have one rear leg done twice due to a bacterial infection. We don’t know what we could have done for Benny without Trupanion. They have paid for 90% of his surgeries and much of his medications.”
Jim K., Benny’s dad
$33,348
Vizsla, 1 year
Early allergies
“By the time Sammy reached a year old, he was diagnosed with severe environmental and food allergies resulting in numerous health issues. He also obtained various injuries, as he is very adventurous. Throughout all of Sammy’s health issues, Trupanion Insurance has been our partners making sure that Sammy got whatever he needed.”
Lucy G., Sammy’s mom
$18,209
Mixed breed, 6 months
Surprise illness
“I signed up my dog Salty, a certified search and rescue dog, with Trupanion as a puppy. Just two months later she was diagnosed with an intestinal disorder and Trupanion paid over $1,000 for her care. A few months after that she developed a limp and was diagnosed with Pythiosis. To date Trupanion has paid over $18,000 towards Salty’s ongoing care for these conditions.”
Victoria M., Salty’s mom
$18,757
Newfoundland, 8 months
Unlucky DNA
“Just 8 months after we got Benny we found out his front legs were not developing properly. Both were repaired at the same time. Then at 14 months old his rear ACLs blew. He had surgery on both legs, and had to have one rear leg done twice due to a bacterial infection. We don’t know what we could have done for Benny without Trupanion. They have paid for 90% of his surgeries and much of his medications.”
Jim K., Benny’s dad
$33,348
Vizsla, 1 year
Early allergies
“By the time Sammy reached a year old, he was diagnosed with severe environmental and food allergies resulting in numerous health issues. He also obtained various injuries, as he is very adventurous. Throughout all of Sammy’s health issues, Trupanion Insurance has been our partners making sure that Sammy got whatever he needed.”
Lucy G., Sammy’s mom
$18,209
Enroll in puppy insurance early
Why enrolling while they’re young matters
Of all the choices you'll make for your puppy, when you enroll may matter most. When you sign up early, you give them a head start on a lifetime of care and coverage for all of their adventures with the lowest possible premium.
Lower pricing
Start puppy insurance young and save over time
Enrolling your puppy early typically means a lower monthly premium as puppies are less likely to have developed health conditions. This means every tummy ache, limp, and surprise that comes later is covered.
Pre-existing conditions
Full protection for all of life’s surprises
Right now your puppy's health record is likely a blank page, with their whole story still ahead of them. Coverage protects what comes after you enroll, so the sooner you start, the more of that wild and wonderful life stays open to unlimited care.
Hereditary & congenital conditions
Many conditions come with their breed
Some of the costliest health issues are written into your puppy from the very beginning, and can take months or even years before there are any signs. Hereditary conditions aren’t preventable, but you can get coverage now that protects no matter where life takes you together.
Accidents happen
Puppies are professional troublemakers
From a swallowed stuffy to a leap off the couch, it only takes a moment for mischief. Puppies have no concept of self-preservation or safety, which is why 1 in 2 need unexpected vet care before their first birthday. Having coverage early means you’re prepared for wherever their curiosity takes you.
The puppy pricing
advantage
The puppy pricing advantage
There’s something special about this stage, when everything is new and every day brings a first. It’s also the moment your puppy is the least expensive to insure, so protecting them today means less out of pocket tomorrow.
There’s something special about this stage, when everything is new and every day brings a first. It’s also the moment your puppy is the least expensive to insure, so protecting them today means less out of pocket tomorrow.
what does puppy insurance cover?
Coverage as bold as they are
Your puppy holds nothing back, and neither should their coverage.
COVERED
NOT COVERED
Accidents & illnesses
From accidents to chronic conditions, we cover the unexpected and the ongoing
Prescriptions & supplements
Medications and supplements prescribed to treat a covered condition, including long-term prescriptions for chronic illness
Diagnostic tests
Such as X-rays, MRIs, CT scans, ultrasounds, bloodwork, and more when ordered by your vet
Emergency treatment
Just like our customer care, no matter the time of day or night, emergency care is always included at any hospital or clinic
Dental
Tooth extractions, abscesses, fractures, gum disease, and accidental injuries
Cancer
Diagnosis, treatment, chemotherapy, radiation, surgery are covered no matter the cost
Veterinary specialists
Treatment and diagnostics from any veterinary specialist is included, no referral needed
Breed-specific conditions
Hip dysplasia, brachycephalic conditions, IVDD — every breed welcome, no fine print
Hereditary conditions
Conditions your pet is genetically prone to are covered just like any other illness
From accidents to chronic conditions, we cover the unexpected and the ongoing
Medications and supplements prescribed to treat a covered condition, including long-term prescriptions for chronic illness
Such as X-rays, MRIs, CT scans, ultrasounds, bloodwork, and more when ordered by your vet
Just like our customer care, no matter the time of day or night, emergency care is always included at any hospital or clinic
Tooth extractions, abscesses, fractures, gum disease, and accidental injuries
Diagnosis, treatment, chemotherapy, radiation, surgery are covered no matter the cost
Any specialist needed to treat your dog is included with every Trupanion plan, with no referral required
Hip dysplasia, brachycephalic conditions, IVDD—every breed welcome, no fine print
Conditions your pet is genetically prone to are covered just like any other illness
Wellness & routine care
Everyday care like parasite prevention, spaying and neutering, and vaccinations are not included
Pre-existing conditions
Anything your dog 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 dog, 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 dog had or showed signs of before coverage started isn't eligible
These costs are easier to plan for ahead of time with your dog, so they fall outside your policy
Preventable issues, like certain parasites and dental problems from missed cleanings, aren't covered
How VetDirect Pay™ works
You take care of your puppy. We’ll take care of the rest.
When your puppy needs the vet, the only thing on your mind should be their healing. Most insurers ask you to pay the whole bill upfront and then wait weeks to get paid back. Trupanion can pay our share right there at checkout, so finances never get in the way of your puppy’s care.
Go to any veterinarian
Choose any licensed vet, specialist, or ER clinic in the US, Puerto Rico, or Canada
We handle the bill
Your vet bill is paid instantly at checkout, with no need to file a claim
Covered for life
The condition(s) treated stays covered as long as you're a member
See how VetDirect Pay™ helped Yogi
covered over $6,000 for seizure disorder
“At just 12 weeks old, Yogi had a seizure. We rushed to the emergency room. I gave the receptionist my info to Trupanion, and they covered 90% of the bill. You don’t do anything - literally. They pay 90% upfront before you leave. It’s that simple. Yogi was in and out of the hospital four to five times that week due to seizures. Because I had Trupanion, I was able to do all the bloodwork, an MRI, a spinal tap - everything needed to figure out why. It was thousands of dollars, and without Trupanion, I wouldn’t have answers.”
The Caden Family, Delran, NJ
Compare Trupanion
Details matter
Especially when you’re in the ER at 2am with your puppy who swallowed part of their favorite stuffy.
EMBRACE
FETCH
LEMONADE
PETS BEST
| PLAN FEATURES |  | EMBRACE |
|---|---|---|
| No extended waiting periods | Orthopedic issues are included in standard waiting periods |  6-month waiting period for orthopedic issues, unless veterinarian-signed waiver submitted within first 30 days of coverage |
| 24/7 live support | Customer care available 100% of the week | Live customer service available Monday - Friday 8:30 a.m. - 8 p.m., Saturday 9 a.m. – 1 p.m., EST |
| VetDirect Pay™ | Can pay participating hospitals directly at checkout | Can only pay wellness claims automatically |
No extended waiting periods
Orthopedic issues are included in standard waiting periods
6-month waiting period for orthopedic issues, unless veterinarian-signed waiver submitted within first 30 days of coverage
24/7 live support
Customer care available 100% of the week
Live customer service available Monday - Friday 8:30 a.m. - 8 p.m., Saturday 9 a.m. – 1 p.m., EST
VetDirect Pay™
Can pay participating hospitals directly at checkout
Can only pay wellness claims automatically
| PLAN FEATURES | | FETCH |
|---|---|---|
| No extended waiting periods | Orthopedic issues are included in standard waiting periods | 6-month waiting periods for any treatment of cruciate ligaments or patellar luxation — can be waived with vet exam only |
| VetDirect Pay™ | Can pay participating hospitals directly at checkout | No automatic process to pay veterinarians directly |
| No birthday pricing | No rate increases just because your pet has a birthday | Automatically increases rates every year as pet age increases, in addition to other adjustments |
| 24/7 live support | Customer care available 100% of the week, 365 days a year | Live customer service available Monday–Friday 9 a.m.–8 p.m., Saturday 10 a.m.–6:30 p.m. EST |
| Lifetime per-condition deductible | Only meet your deductible once per condition for your pet's entire life | Deductibles reset every policy term, potentially reducing lifetime coverage |
| No payout limits | No annual or lifetime caps on eligible covered costs | Annual payout limits apply to every plan tier |
No extended waiting periods
Orthopedic issues are included in standard waiting periods
6-month waiting periods for any treatment of cruciate ligaments or patellar luxation — can be waived with vet exam only
VetDirect Pay™
Can pay participating hospitals directly at checkout
No automatic process to pay veterinarians directly
No birthday pricing
No rate increases just because your pet has a birthday
Automatically increases rates every year as pet age increases, in addition to other adjustments
24/7 live support
Customer care available 100% of the week, 365 days a year
Live customer service available Monday–Friday 9 a.m.–8 p.m., Saturday 10 a.m.–6:30 p.m. EST
Lifetime per-condition deductible
Only meet your deductible once per condition for your pet's entire life
Deductibles reset every policy term, potentially reducing lifetime coverage
No payout limits
No annual or lifetime caps on eligible covered costs
Annual payout limits apply to every plan tier
| PLAN FEATURES | | LEMONADE |
|---|---|---|
| No extended waiting periods | Orthopedic issues are included in standard waiting periods | 6-month waiting period for cruciate ligaments or patellar luxation |
| VetDirect Pay™ | Can pay participating hospitals directly at checkout | No automatic process to pay veterinarians directly |
| No birthday pricing | No rate increases just because your pet has a birthday | Automatically increases rates every year as your pet ages, in addition to other adjustments |
| 24/7 live support | Customer care available 100% of the week, 365 days a year | Offers phone support, but doesn't list its hours on their website |
| Lifetime per-condition deductible | Only meet your deductible once per condition for your pet's entire life | Single annual deductible that resets each policy term |
| Flexible deductible | Pick a per-condition, lifetime deductible that works best for your lifestyle and budget | Deductible cannot be less than $100 or more than $750 |
No extended waiting periods
Orthopedic issues are included in standard waiting periods
6-month waiting period for cruciate ligaments or patellar luxation
VetDirect Pay™
Can pay participating hospitals directly at checkout
No automatic process to pay veterinarians directly
No birthday pricing
No rate increases just because your pet has a birthday
Automatically increases rates every year as your pet ages, in addition to other adjustments
24/7 live support
Customer care available 100% of the week, 365 days a year
Offers phone support, but doesn't list its hours on their website
Lifetime per-condition deductible
Only meet your deductible once per condition for your pet's entire life
Single annual deductible that resets each policy term; options from $100 to $750
Flexible deductible
Pick a per-condition, lifetime deductible that works best for your lifestyle and budget
Deductible cannot be less than $100 or more than $750
| PLAN FEATURES | | PETS BEST |
|---|---|---|
| VetDirect Pay™ | Can pay participating hospitals directly at checkout | No automatic process to pay veterinarians directly at checkout; direct pay requires cumbersome pre-approvals |
| No birthday pricing | No rate increases just because your pet has a birthday | May automatically increase rates every year as your pet ages |
| 24/7 live support | Customer care available 100% of the week, 365 days a year | Live customer service only Monday–Friday 6 a.m.–7 p.m. MST and Saturday 6 a.m.–2 p.m. MST |
| Lifetime per-condition deductible | Only meet your deductible once per condition for your pet's entire life | Annual deductible that resets every year; options from $50 to $1,000 |
| No payout limits | No annual or lifetime caps on eligible covered costs | Unlimited payouts only if you select the higher-premium plan; lower-premium tiers are limited |
VetDirect Pay™
Can pay participating hospitals directly at checkout
No automatic process to pay veterinarians directly at checkout; direct pay requires cumbersome pre-approvals
No birthday pricing
No rate increases just because your pet has a birthday
May automatically increase rates every year as your pet ages
24/7 live support
Customer care available 100% of the week, 365 days a year
Live customer service only Monday–Friday 6 a.m.–7 p.m. MST and Saturday 6 a.m.–2 p.m. MST
Lifetime per-condition deductible
Only meet your deductible once per condition for your pet's entire life
Annual deductible that resets every year; options from $50 to $1,000
No payout limits
No annual or lifetime caps on eligible covered costs
Unlimited payouts only if you select the higher-premium plan; lower-premium tiers are limited
Comparison information above is provided using publicly available information as of 07/15/2026 and is only meant to summarize program features, not a specific plan. Review each provider's plan terms for more details. We work to provide fair and accurate comparison information. If you are aware of any inaccuracies, please email us at info@trupanion.com.
Your puppy can’t prepare for what’s coming. But you can.
Your puppy can’t prepare for what’s coming. But you can.
They happily leave the big worries to you and focus on the zoomies. Setting up their coverage takes about two minutes and comes with a 30-day money-back guarantee, so all that energy is protected for life.
They happily leave the big worries to you and focus on the zoomies. Setting up their coverage takes about two minutes and comes with a 30-day money-back guarantee, so all that energy is protected for life.
Puppy insurance questions
Common questions about puppy insurance
