What does a Trupanion policy cover?
With Trupanion, dogs and cats are covered nose to tail for:
- All new, unexpected illnesses and injuries
- Surgeries, diagnostic tests, and prescriptions
- Hereditary conditions your pet's breed is prone to inheriting
- Unidentified issues
- Congenital conditions your pet developed before birth
Dog and cat coverage that goes the distance
We’re taking a boldly different approach to pet medical care, focusing on your pet’s well-being while giving you value. The conditions and treatments we cover include but are not limited to:
Hereditary & congenital conditions
- Cherry eye
- Diabetes
- Hip dysplasia
- Thyroid disease
- Cancer
- Heart disease
- Urinary obstructions
- Nervous system issues
Illnesses & injuries
- New, unexpected injuries & illnesses
- Bite wounds
- Swallowed objects & toxins
- Patella luxation
- Allergies
- Kidney disease
- Upper respiratory infections
- Urinary obstructions
And much more
- X-rays, ultrasounds & CT scans
- Surgeries & hospital stays
- Medications
- Veterinary supplements
- Herbal therapy
- Physical therapy
- Advanced dentistry
- Prosthetic devices & carts
Your pet deserves exceptional care
Most cats and dogs will need veterinary attention at some point in their life, and there’s no knowing how serious things could be or how much it could cost. This is where Trupanion pet health insurance can make a significant difference.
Trupanion coverage is robust and tailored to have your pet’s back for all new and unexpected injuries and illnesses. Our coverage is based on the actual prices veterinarians charge for care — from diagnostic testing and medications to hospitalizations and everything in between. We never impose payout limits, so you can rest assured your pet can get access to the best veterinary treatment when they need it most.
See Trupanion coverage in action
| Condition | Cost without coverage | Cost with Trupanion™ |
|---|---|---|
| Vomiting & diarrhea | $9,098 | $909 |
| Renal failure | $30,870 | $3,087 |
| Diabetes | $17,055 | $1,705 |
| Hyperthyroidism | $5,975 | $597 |
| Urinary Tract Infection | $8,242 | $824 |
| Inflammatory Bowel Disease | $11,710 | $1,171 |
Total invoice based on a member plan with 90% coverage on eligible costs and a $0 deductible. See our policy for full coverage details.
Coverage for everything dogs and cats get into
Since our founding more than two decades ago, we’ve paid over $3 billion to Trupanion members to help with medical care for all of these conditions (and more!):
- Vomiting & diarrhea
- Upper respiratory infection
- Giardia
- Lethargy
- Skin Infection
- Otitis
- Corneal ulcer
- Wound
- Inappropriate urination
- Tumor
- Seizure
- Hyperthyroidism
- Respiratory distress
- Pancreatitis
- Lymphoma
- And much more
- Vomiting & diarrhea
- Giardia
- Urinary tract infections
- Otitis
- Ingestion of foreign material
- Lethargy
- Lameness & limping
- Gastroenteritis
- Seizure
- Bite wound
- Pneumonia
- Upper respiratory infection
- Masses
- And much more
Does Trupanion cover wellness care costs?
Some pet insurance providers offer wellness care coverage, but this often means that bigger ticket items like accidents and chronic illnesses don’t get the coverage they deserve. With us, we want to make sure you get the most out of your pet’s policy, and we don't feel we should charge you extra for things that you can anticipate and plan for as part of your pet’s routine healthcare.
Good pet insurance coverage is all about making sure you can handle unexpected veterinary costs as they arise. By not relying on your policy to cover things you can already plan and budget for and instead focusing on coverage for things like accidents and surprise illnesses, you can get the most value out of your pet insurance coverage.
What about exam fees?
Why pay a middle man to handle your pet’s regular care costs when they are something you actually can plan and budget for? This is why we at Trupanion have made a deliberate choice not to cover wellness and preventive care or exam fees. By not doing so, we can ensure you get the most value out of your coverage.
How Trupanion coverage compares
Coverage for new, unexpected injuries & illnesses with no annual payout limits
Nationwide
Major Medical plan does not cover congenital or hereditary conditions (the things most likely to happen to certain breeds).
In all plans other than Whole Pet with Wellness, no coverage for cruciate ligament injuries until 12 months after enrollment.
Can deny conditions previously covered at annual renewals.
Embrace
No coverage for hip dysplasia until 12 months after enrollment.
No coverage for supplements, vitamins, or food.
No coverage for dental illness.
Coverage options at enrollment may be reduced based on a pet’s breed.
Fetch
No coverage for orthopedic issues until 6 months after enrollment.
Dental coverage limited to $1,000 per year (the coverage is available in most states).
Comparison information above is provided using publicly available information as of 01/15/2025 and is only meant to summarize program features, not a specific plan. Review each provider’s plan terms for more details. We work to provide fair and accurate comparison information. However, it may change from time to time and may not be updated immediately. If you are aware of any inaccuracies in the information provided, please email us at [email protected].
We want your pet to have the best possible care
When you call to sign up, we'll help you choose the coverage that offers the best value for you. Our award-winning specialists will go over:
Your pet's breed
Your pet's age
Your desired budget
Your location
Related questions
Get the care your best friend deserves
From lovable mutts to specific breeds, we provide medical coverage that’s with you from the adorable puppy years to those sweet, sunset moments.
We’re always ready to help
Our customer care team is available 24/7/365.
