Trupanion - Pet InsurancePet Insurance
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Compare Pet Insurance Plans

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Is your pet a mixed breed?

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Has your pet been spayed/neutered?

Any pre-existing conditions?

Pet insurance won't cover costs for any condition that your pet showed signs of before the start date of the policy. (Medical records or a vet exam might be required to establish your pet's health). But, pet insurance will cover new conditions and accidents. Also, all the pet insurance plans here will cover conditions that your pet might have been born with but haven't showed up yet. These are called hereditary or congenital conditions. So it's still important to get covered!

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Privacy policy and disclosures

By submitting this form, I agree to this website's privacy policy and expressly consent to be contacted via email or phone by up to five carefully selected companies with related pet health insurance offers. I understand that these calls may be generated using an automated technology, and that my consent is not required to receive services.


Unlike some of their competitors, Trupanion makes the process of selecting pet insurance simple and convenient. No need to worry about comparing and selecting plans, Trupanion takes the hassle away by providing one simple pet insurance plan.


Insurance Underwriter: American Pet Insurance Company
A.M. Best Rating: Not rated
Customizable Plans: yes
Deductible Type: per incident –  once the deductible is met, it will be satisfied for all costs related to that condition for the lifetime of your pet
Maximum Payout per Incident: unlimited
Maximum Payout per Year: unlimited
Maximum Lifetime Payout: unlimited
Reimbursement Based Upon: Actual veterinary bill
Waiting Period: accidents – 5 days; illnesses – 30 days
Maximum Age to Enroll: 14 years
Lifetime Coverage Available: yes
Wellness & Routine Care Coverage Available: no
Alternative Therapies Coverage Available: yes
Behavioral Treatment Coverage Available: yes
Discounts Available: service or therapy animals; pets that are spayed/neutered
These features may vary by state. 

Plan Details

Benefits of Trupanion Insurance

◦   No payout limits
◦   One simple, comprehensive plan
◦   Plan can be customized to fit your budget

One Simple Pet Insurance Plan

Despite just having one plan, Trupanion adjusts the premium price to fit the age and breed of your pet and the deductible that you select. Trupanion offers one simple plan that covers 90% of your unexpected veterinary costs such as:

◦  Accidents
◦  Congenital conditions
◦  Hereditary conditions
◦  Illnesses
◦  Diagnostic tests
◦  Hospital stays
◦  Medications
◦  Surgeries
◦  Veterinary supplements

Additional Coverage with Trupanion

In addition to the single plan, Trupanion offers additional coverage options:
◦  Pet owner assistant package: third party property damage liability coverage, advertising & reward, boarding fees, and more.
◦  Additional care rider: behavioral assessments, and alternative and homeopathic treatments, physical therapy (such as hydrotherapy), and more.

Wellness & Routine Care Coverage 

Trupanion does not offer coverage for wellness or routine care.

Find out which pet insurance plan is right for you and your pet and receive a free quote by completing the form at the top of the page.