Top-rated Virginia pet insurance for dogs & cats

Proudly protecting pets for over 25 years

Vet bills can be paid directly at checkout

Lifetime coverage with no payout limits

Visit any vet, specialist, or emergency hospital in the Mid-Atlantic and beyond

Illustration of an orange cat and a grey dog

Choose the best pet insurance in Virginia

Trupanion is an award-winning pet medical insurance provider proud to serve pets and pet owners across the Old Dominion. We provide robust coverage for unexpected vet care costs, enabling you to focus less on finances and more on getting your pet the care they need.

We're rated #1 in America, trusted by veterinarians across the country.

1 in 3 pets need unexpected care each year

Having the right coverage means you're prepared to protect them when it matters most. With Trupanion at your side, 90% of your bill can be paid instantly to vets at checkout — no more waiting for reimbursement!

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Sweet Toby was diagnosed with severe allergies as a puppy, and just one year of treatment was over $7,000.

Based on Toby's claims:

$7,466.66

Trupanion paid:

$5,939.89

Toby's parent paid:

$1,526.77

Total invoice based on a real member plan with 90% coverage on eligible costs with a $0 deductible applied. See our policy for full coverage details.

Looking for affordable pet insurance in Virginia?

We know it’s tempting to go with the lowest cost upfront, but it’s important to look at the whole picture. You may feel drawn to providers that offer very low rates, but be careful of this bait-and-switch. Cheap pet insurance often comes with a catch (or a few), costing you much more in the long run.

At Trupanion, we’re dedicated to keeping pet insurance pricing fair and transparent for Virginians and their pets.

Will my coverage reduce over my pet's lifetime?

No. Unlike other providers, we don’t decrease your coverage year-to-year, so you can count on top-tier protection for the life of your pet.

Will my price increase simply because my pet gets older?

No. Trupanion is among the only pet health insurance providers that does not practice birthday pricing. Your cost can still change over time due to things like inflation and advances in veterinary care, but we won’t increase it simply because your pet has a birthday.

Will I pay more because I use my coverage?

No. You'll never pay more just for using your coverage. In fact, we encourage you to utilize your policy as often as needed. Trupanion is designed to cover new, unexpected illnesses and injuries for the life of your pet.

The land of lovers shouldn't have limits

We keep pet insurance for Virginia dogs and cats simple. Though other providers cut costs by restricting their payouts, we’ll never cap what we pay out for your pet at Trupanion.

Your love for them has no limits. Why should their coverage?

No payout limits

Unlike other providers, we don’t limit our payouts — your pet is covered no matter the cost.

No annual limits

With no caps on how much we pay yearly, you don’t have to worry about when or how often your pet gets sick or injured.

No lifetime limits

Trupanion is by your side with robust coverage and no payout caps for the life of your pet.

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Black dog laxing by the river with his tongue out

Why do Virginians choose Trupanion?

Pet owners in Virginia and all along the Eastern Seaboard trust Trupanion to protect their dogs and cats. In fact, over 98% of all our members choose to renew their coverage.