Coverage that actually covers: We cover ALL new injuries and illnesses. The only medical issues we do not cover are the problems that the pet had prior to being protected by Trupanion. The younger your dog is when enrolled, the more issues are covered.
Full flexibility: See your veterinarian or any veterinarian in the USA, Canada, Puerto Rico, and Australia, including referrals and specialists.
Lifetime, per condition deductible: Conditions don’t reset for birthdays or anniversaries, so why would your coverage? Once you pay the deductible for a condition, you’ll never pay it again for the entire life of your pet.
24/7 support: We’re animal lovers, and some of us even work in veterinary medicine. We know animals need care outside of normal business hours, so we’re available 24/7, 365 days a year.
Claims processed at checkout—goodbye, reimbursement!
No one likes hearing, “The check’s in the mail.” That’s why we’re the only insurance provider who can pay your veterinarian directly—often at the time of checkout. Our members pay their portion of the bill and go—we take care of the rest.
Traditional pet insurance operates where the policyholder pays the full bill, submits the claim, hopes it’s approved, and is then reimbursed. When facing a large, unexpected veterinary bill, this model sort of defeats the purpose of insurance.
That’s why we offer our patented direct billing solution that pays 90% of the bill directly to your veterinarian. Thousands of hospitals already partner with us to offer payment at the time of checkout.
No claim forms to fill out and submit
No paying the full bill
No waiting for a reimbursement check
Traditional Reimbursement Model
Pet owner pays 100%
Pet owner pays 10%
*Terms and conditions apply. See the policy for complete details.