Choose Your Policy

You can review the Trupanion pet insurance policy below. Simply put, a Trupanion policy covers the medical expenses of ALL unexpected injuries and illnesses your pet may face, including:


We’ll cover conditions your breed is prone to inheriting.


  • Elbow and hip dysplasia
  • Diabetes
  • Upper respiratory infections
  • Thyroid disease


Even if your pet doesn’t have an official diagnosis, we’ll cover you.


  • Vomiting
  • Diarrhea
  • Cough
  • Change in weight


We’ll cover conditions your pet has developed before birth.


  • Heart disease
  • Nervous system issues
  • Cataracts
  • Liver disease

Whatever medical procedures your cat or dog needs for those unexpected injuries and illnesses, we’ll cover. That includes things like: Diagnostic tests, Surgeries, Hospital stays, Medications, Veterinary supplements, Herbal therapy, Prosthetic devices and carts

Just know that our policy isn’t designed to cover the things that happened before you became a member. Conditions that showed signs during waiting periods or before you enrolled are considered pre-existing and are not eligible for coverage.

We also offer additional ways to complement your cover.

These riders are available at an additional cost.

Recovery and Complementary Care Rider: Extend your Trupanion cover to include acupuncture, behavioral modification, chiropractic, homeopathy, hydrotherapy, naturopathy, physical therapy, and rehabilitative therapy.

Breeding Rider: We can extend our cover to certain health conditions associated with breeding dogs and cats, including medically-necessary C-section births.

Pet Owner Assistance Package: Trupanion can help with health expenses beyond the veterinarian’s office. This rider will extend coverage to include advertising (including a reward) for lost pets, boarding fees for your pet in the event you are hospitalized, liability coverage for third-party property damage, cremation or burial for deaths due to an accident, and even holiday vacation cancellation costs.

We want pets to have the best possible care.

“Good enough” isn’t good enough for your human family, so why would it be acceptable for your furry family members?

Our policy was developed by veterinarians and has been used to protect nearly half a million pets by taking cost out of the care equation. It covers treatments and procedures related to thousands of conditions so you can choose your pet’s care based on what’s best for them, not what’s affordable.

Trupanion offers one simple pet insurance policy: our best one. There are no confusing plan levels, so your dog or cat is covered for all unexpected injuries and illnesses once you enroll – no matter your pet’s breed, gender, or age.

Over 70% of our members enrolled with Trupanion because of a positive recommendation from their friend, family member, or veterinarian.

Want to see a sample policy?

Trupanion’s Customer Care Specialists are available 24/7 to walk you through our policy and answer any of your questions about Trupanion. Call 888.733.2685 to get started.

Call and we’ll give you a clear understanding of what you get when you enroll, because you shouldn’t have to worry about “fine print” when it comes to your pet’s coverage.

To view Trupanion’s sample policy, please select the state or territory you live in:
Dropdown and “view policy” button