Girl in bed under covers with dog and cat

Trupanion Pet Insurance

Your pet may know how to “speak,” but they can’t always tell you when they’re not feeling well. When your pet is sick or injured, you want to get them the best care available without having to worry about cost.

The best pet health insurance protects you from financial stress so you can focus on getting your beloved family member better the with a plan that covers 90% of the cost for new injuries and illnesses—with no payout limits—for the life of your pet. That’s right, no payout limits or no sublimits, simple.

Veterinary care, tests, and treatments are growing more advanced—and expensive. Trust Trupanion to provide the best cover to take care of your furry family member without stressing over the cost of care.

1 Simple Plan

One Simple Plan

All pets get the best cover we have to offer with our one simple plan.

Claims Simplified

Claims Simplified

With GapOnly, we can pay your bill directly to your veterinarian at any of our partner hospitals—just pay your portion and we take care of the rest. 

No Payout Limits

No Payout Limits

Your pet gets cover with no caps on the amount we’ll pay! Cover will never run out because we keep paying all eligible claims.

90% Cover

Our plan covers 90% of costs for all new injuries and illnesses after you meet your excess.

Why Choose Trupanion

What does quality pet insurance cover?

Trupanion has absolutely no payout limits on eligible claims. Trupanion provides one plan that covers 90% of your unexpected veterinary costs. If you have an unlucky pet with a lifetime of serious health conditions or ongoing care, you’ll never get “cut off” from cover or punished with higher rates because of multiple claims.

We keep paying for all covered conditions, no matter the cost. This includes hospital stays, diagnostic tests, medications, surgeries, and other treatments that arise when your furry family member is sick or hurt. Cover kicks in after you meet your excess (if you’ve chosen one).

What’s covered

  • Illnesses & injuries
  • Hereditary & congenital conditions
  • Diagnostic tests
  • Surgeries
  • Hospital stays
  • Medications
  • Veterinary supplements
  • Prosthetic devices & carts
  • Dental illness and injury
  • and much more…..

Waiting periods

Cover includes all new injuries or illnesses that develop after waiting periods

Trupanion pet insurance (cat insurance and dog insurance) have waiting periods that last 5 days for injuries and 30 days for illnesses

What’s not covered

Extra cover

Optional cover add-ons:

Recovery & Complementary Care for behavioural issues, and approved alternative and rehabilitative therapies.

Pet Owner Assistance Package includes coverage for holiday cancellation due to a sick pet, pet property damage, and more.

Read More

At Trupanion, we do not exclude any conditions or breed-specific ailments, including hereditary and congenital conditions, as long as symptoms were not evident before you signed up. All new injuries and illnesses are eligible for cover.

If your dog pulls a muscle, develops allergies, or is diagnosed with hip dysplasia or lymphoma, we’ll be there. Arthritis, eating your chocolate stash, confusing your underpants for food, or breaking a bone? We’ve covered it before, and we’ll do it again.


How much does quality pet insurance cost?

Trupanion has a fair and unique pricing model, learn about how different our pricing is here in Australia. We’re here to show Australia how great pet insurance can be.

You know better than anyone that your pet is one of a kind. That’s why your monthly price is personalised for them based on a few different factors.

Pick your price

Pick a price that works for your budget with our optional flexible excess. If you want an excess, you can pick any amount up to $1000—or you can choose to skip having an excess at all. Plus, you can change your excess at any time by giving us a call.

You can see your personalised price now with a quick quote for your pet.


When should I get pet insurance?

The best time to think about insurance for your dog or cat is when they’re young and healthy (puppy or kitten). Every pet is prone to certain types of illnesses and injuries in each stage of life, and insurance helps you be prepared every step of the way.

TIP: No pet insurance provider in Australia covers pre-existing conditions. Insuring your pet when they’re young or when you first bring them home helps you get the most out of your cover because they’re less likely to have pre-existing conditions.

All it takes to get started is to get a quote.