Real stories, real payments
We helped all these cats get the best care and
paid their pet parents thousands in the process.
paid their pet parents thousands in the process.
Cat insurance for all nine lives
Coverage for chronic health conditions
Emergency care included
#1 pet insurance provider in Canada
What is cat insurance?
If your cat needs unexpected veterinary care, it can quickly become very expensive. A good cat health insurance policy helps cover the high price of treatment (we cover 90% of eligible costs!). This enables you to get the best healthcare for your pet, whether it’s an emergency situation or a serious illness that developed over time.
How insurance for cats works
In the traditional cat medical insurance model, you pay the upfront costs of care on the day of treatment then file a claim with your provider. Then you have to wait for reimbursement, which can take days, weeks, or even months. Who has that kind of time?
That’s why we’re shaking things up with VetDirect Pay™ — we can pay veterinarians directly on the day of treatment, with 80% of direct payments made within 5 minutes! This means less waiting and less financial worry for you, allowing you to spend more time focused on your cat’s health and recovery.
See how Trupanion helped Snow
When Snow, a 6-month-old Siamese, experienced multiple bone fractures in an accident, she needed immediate veterinary care. Fortunately, her human had Trupanion to help!
Based on Snow's claims:
$6,737
Trupanion paid:
$5,806
Snow's parent paid:
$931
Total invoice based on a real member plan with 90% coverage on eligible costs and a $100 deductible applied. See our policy for full coverage details.
What makes Trupanion cat insurance the best?
Cats can be unpredictable. Their health insurance shouldn’t be. We provide convenient and robust coverage — plus no payout limits and vets can be paid directly at feline speed.
Coverage that’s always by your side, just like they are
From urinary tract infections to medical emergencies (and every surprise in between), we’ve got your cat’s back for all nine lives.
Hereditary conditions
Unidentified issues
Unexpected injuries
Diagnostic tests
Breed-specific conditions
Advanced dentistry
Allergies
Hospital stays
Medications
Veterinary supplements
Herbal therapy
Prescription food
Cat illnesses and injuries are more common than you think
Did you know that over 30% of kittens have needed veterinary care before they even have a birthday? Between 2019-2024, Trupanion paid out on average 3.3 million per year for kittens under 1.
Even seemingly simple conditions — like your cat eating something they shouldn’t — can cost over $1,000 to treat just one time.
Gator
Calgary, AB
Ear infections, Diarrhea, Enteritis, Allergic Reaction to Medication
Congo
Edmonton, AB
Pyometra
Raidyn
Powell River, BC
IBD, Lymphoplasmacytic Enteritis, Eosinophilic Gastritis
Barney
Calgary, AB
Intestinal Foreign Body
Abner
Edmonton, AB
Allergy Panel, Inflamed Ear Drums, and Foreign Body Ingestion
Our promise to you and your cat
- We won’t increase rates just because your cat gets older.
- We’ll never make you pay more for using your cat’s coverage.
Cat insurance FAQs
From indoor to outdoor and purebreds to mixed breeds, health risks vary widely between different cats. This means pricing varies from pet to pet.
Our cat insurance prices are based primarily on these factors:
Our cat insurance prices are based primarily on these factors:
- Age
- Breed
- Location
- Gender
- Deductible
It’s easy to gravitate toward insurers that offer the lowest cat insurance rates, but take caution with this bait-and-switch. A cheap monthly price will likely increase and can come with a catch. Many cat insurance companies offer low premiums to start and then raise rates once you claim a condition — this can make it difficult to switch providers for a lower rate later on.
That’s why we design our cat medical insurance with the entire life of your feline in mind (yes, that’s all nine lives). As unpredictable as cats often are, we’re here to help keep their veterinary care costs as surprise-free as possible by covering everything from kittens eating plants they shouldn’t to elderly cats who’ve developed chronic conditions. And, unlike other cat insurance plans, Trupanion has no payout limits!
We get it — having an indoor-only cat seems like a surefire way to keep your furry friend out of harm’s way. But the truth is that pet insurance is still important protection for all kinds of cats, including those whose biggest wilderness adventures come from looking out a window. Even though they aren’t spending their days wandering outside among dangers, indoor cats are still as risk for a wide range of illnesses and injuries.
For example, one of the most common claims for kittens and adult cats is ingestion of foreign material. The cost to treat can be $800 to $5,000, depending on if surgery is required to remove the object. It just goes to show that dangers inside the home can still result in pricey veterinary visits.
Due to more sedentary lifestyles, indoor cats are also at particular risk of conditions like obesity and diabetes. In 2024, Trupanion paid out $1.6 million in diabetes claims for cats alone! Last but not least, it’s worth noting that about 30% of all cats covered by Trupanion have a claim before their first birthday.
Still not sure? Learn more about how your indoor cat can benefit from pet insurance.
For example, one of the most common claims for kittens and adult cats is ingestion of foreign material. The cost to treat can be $800 to $5,000, depending on if surgery is required to remove the object. It just goes to show that dangers inside the home can still result in pricey veterinary visits.
Due to more sedentary lifestyles, indoor cats are also at particular risk of conditions like obesity and diabetes. In 2024, Trupanion paid out $1.6 million in diabetes claims for cats alone! Last but not least, it’s worth noting that about 30% of all cats covered by Trupanion have a claim before their first birthday.
Still not sure? Learn more about how your indoor cat can benefit from pet insurance.
We do not cover vaccinations for cats, or dogs for that matter. This is because vaccinations are considered a part of routine and/or preventive care, a.k.a. things you can expect and plan for as a regular part of pet parenting. And by not covering the regular portions of your cat’s healthcare that you’re able to budget for, we can provide the best-value cat medical coverage for the things you aren’t.
Generally speaking, the earlier you get medical insurance for your cat, the better. This is because it’s impossible to predict what or when something will happen to your pet. Even kittens are at high risk of surprise illnesses, as their immune systems are still developing.
Additionally, like almost all pet health insurance providers, we do not cover pre-existing conditions. So, the earlier you sign up your cat for coverage, the more illnesses and injuries we'll be able to cover.
This doesn’t necessarily mean that a cat insurance policy isn’t still worth it for older cats, mind you. We welcome all new cats up to age 14, and even though pre-existing conditions won’t be covered, new health surprises will be.
Additionally, like almost all pet health insurance providers, we do not cover pre-existing conditions. So, the earlier you sign up your cat for coverage, the more illnesses and injuries we'll be able to cover.
This doesn’t necessarily mean that a cat insurance policy isn’t still worth it for older cats, mind you. We welcome all new cats up to age 14, and even though pre-existing conditions won’t be covered, new health surprises will be.
Many of us here at Trupanion also have feline friends we call family, and we’re dedicated to all aspects of being a responsible pet owner. Check out the Cat Care section of our Pet Parenting blog to stay in tune with the latest care tips, health info, and fun feline facts!
We’re always ready to help
Our customer care team is available 24/7/365.
