Trupanion Pet Insurance

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A better kind of pet insurance
all new injuries and illnesses covered, plus:
  1. No Payout Limits or Sub-Limits
  2. High 90% Coverage
  3. No Excess or choose one to suit you
  4. 24/7 Customer Service
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Pay Vets Directly

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.

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No Payout Limits, No Sublimits

Your pet is covered at 90% for all eligible costs—whether they need just one visit or a lifetime of care—no matter the cost.

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Looking for the best pet insurance in Australia for your puppy or kitten?

Trupanion has absolutely no payout limits or sub-limits on eligible claims, covering 90% of veterinary diagnostic and treatment costs for ALL NEW accidents, injuries and illnesses.

That’s right. All new injuries, illneses and accidents are eligible for this unlimited cover.



1 Simple Plan

One Simple Plan

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

Claims Simplified

Pay Your Vet

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, No Sublimits

Cover will never run out because we keep paying all eligible claims.

Best Pet Insurance

90% High Cover

Our plan covers 90% of costs for all new injuries and illnesses after you meet your excess, if you choose to have one.

Why Choose Trupanion

What does quality pet insurance cover?

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. Other insurers can have limits and/or sub limits that can be reached quickly in times of need, leaving you out of pocket or unable to continue treatment right when you need to most.

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?

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.