Puppy insurance for the newest member of your family

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How does puppy insurance work?

Pet insurance provides a health insurance policy that helps cover surprise vet bills for mischievous puppies. You will pay a monthly premium and in return receive up to 90% coverage for all new, unexpected illnesses and injuries for the life of your pup.

Learn about VetDirect Pay™

See how Trupanion helped Charlie

Two weeks after signing up, Charlie jumped off the couch and broke his leg. His surgery totaled $5,508.

Based on the invoice:

$5,508

Trupanion paid:

$4,377

Charlie's parent paid:

$1,131

Total invoice based on a real member plan with 90% coverage on eligible costs and a $250 deductible applied. See our policy for full coverage details.

Learn about VetDirect Pay™

Insurance for puppies that pays

With Trupanion, you can focus on ensuring your new puppy receives the best veterinarian care from the start instead of worrying about the bill.
90% icon

90% of your vet bills covered

Give your pet the best care and treatment available without worrying about the cost.
Loved by 1 million pet parents

Reduce your upfront costs

We can pay our portion directly at checkout, so you don’t have to wait to be reimbursed.
No caps ever

No payout limits

Unlike other providers, we don’t limit our payouts so your pup is covered no matter the cost.
Why Trupanion?

Coverage that protects your new pet like you do

From swallowed toys to ear infections (and everything in between), we’ve got your puppy’s back for whatever life may toss their way.
dog

Hereditary conditions

Breed-specific conditions

Breed-specific conditions

Diagnostic tests

Diagnostic tests

Unexpected injuries

Unexpected injuries

Prescription food

Prescription food

Allergies

Allergies

Read more about coverage
Two hands pat a puppy, with a $2 billion badge in the corner
Two hands pat a puppy, with a $2 billion badge in the corner

Is puppy insurance worth it?

Puppy illnesses and injuries can cost more than you think. Did you know 1 in 2 puppies need unexpected veterinary care before their 1st birthday? As we’ve learned while paying over $3 billion in veterinary invoices, pet parents often can’t plan or budget for their pup’s surprise health treatment costs.

Recently claimed conditions for puppies under 1:

  • $57,044.57 - pneumonia treatment for 2 month old puppy, Amethyst
  • $17,697.65 - 10 month old Hank’s fractured leg
  • $5,348.29 - treatment for 6 month old Luna’s UTI (urinary tract infection) 

 

Got questions? We have answers!

If your puppy faces any new, unexpected injuries or illnesses, Trupanion can help pay for the cost of their treatment — from diagnostic testing and medications to surgeries and everything in between. And did we mention that, unlike some of our competitors, we provide dog insurance for all breeds?

No pet parent should ever have to compromise on their puppy’s care, which is why our coverage is tailored to have your pet’s back no matter what. 

We love when our members are informed. Learn more about your fully comprehensive coverage.

We’re here to help you pay for new, unexpected illnesses and injuries, which are difficult to budget for, instead of expected routine check-ups or preventive care. These expenses are often more affordable than emergency care, so why pay more for things you can budget for? Injuries and accidents, on the other hand, can become costly very fast. Without puppy insurance, some pet parents have to choose between their puppy’s health and staying afloat financially. 

The things we don’t cover include:
  • Wellness or preventive care
  • Pre-existing conditions or anything that showed signs before you started your 30-day trial
  • Elective or cosmetic procedure (ear cropping or dew claw removal)
  • Exam fees
  • Sales tax (where applicable) 

If your veterinary hospital is among the many that accept Trupanion Vet Direct Pay, all you need to do is tell your hospital that you have Trupanion coverage, and they’ll be able to submit your invoice right at checkout, with processing and payment often taking just seconds.

Going to a hospital not set up for Vet Direct Pay? No problem! You can also file online through your account or submit manually by downloading a claim form and we'll reimburse you as quickly as possible — 63% of claims are paid within 24 hours!

We only adjust your monthly cost based on inflation and to keep up with veterinary costs. That’s it. Most providers also use your puppy getting older and your coverage usage as an excuse to charge more. We don’t. Once you join Trupanion, your monthly cost will never go up based on your pet’s age or the number of claims you submit. 

Puppy parenting should be fun!

Check out these puppy care articles from our expert team at Trupanion
A puppy being held in the air

7 Creative New Puppy Announcement Ideas

From selecting the perfect name to preparing your home for your new puppy's arrival, every step of the journey can be filled with joy and  anticipation.
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A dog looking up

Tips for Choosing a Puppy Class

Choosing a puppy class is an important step in setting your puppy up for  a lifetime of success. By following these tips, you can choose a puppy class that meets your puppy's needs.
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A puppy yawning

Essential Tips for Puppy-Proofing Your Home

Puppy-proofing your home is a crucial step in welcoming your new pet  and, most importantly, helping keep them safe and healthy for years to  come.
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We’re always ready to help

Our customer care team is available 24/7/365.

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Pet Insurance

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Members

© copyrightyear Trupanion. All Rights Reserved. Trupanion is a registered trademark owned by Trupanion, Inc.
Policies vary by province and are subject to applicable waiting periods, deductibles, co-insurance/payout percentage, and exclusions such as pre-existing conditions. Certain coverage or treatment may require the purchase of additional riders. Products, discounts, and rates are subject to change. See the full policy for full terms and conditions of coverage.

Trupanion is a registered trademark owned by Trupanion, Inc. Trupanion policies are underwritten by American Pet Insurance Company or ZPIC Insurance Company in the United States, and sold and administered by Trupanion Managers USA, Inc., 6100 4th Ave S, Seattle, WA 98108, (CA license No. 0G22803, NPN 9588590).  Trupanion policies are underwritten by Accelerant Insurance Company of Canada or GPIC Insurance Company, and sold and administered by Canada Pet Health Insurance Services, Inc. dba Trupanion, 309-1277 Lynn Valley Road, North Vancouver, BC, V7J 0A2, a registered damage insurance agency and claims adjuster in Quebec #603927. To verify your underwriter please consult the declarations page of your policy or contact us at 1.888.733.2685.

#1 in Canada based on 2022 NAPHIA data survey results of gross premiums.
Trupanion software required at the veterinary hospital with veterinarian-approved direct bill pay. Visit our website to see if your veterinary hospital accepts direct payment.
Veterinarians are not compensated for providing testimonials.
Trupanion claims data based on averages for real member claims and are intended as informative examples only. Treatment costs can vary greatly between pets and location.
30-Day Money-Back Guarantee not available if a claim has been paid within the first 30 days.

Breeder and Shelter Offers
Breeders and shelters are not compensated for providing this offer. This special offer is available for pets up to 14 years of age when activated anytime from 24 hours before until 24 hours after going home to their new family in the US and Canada. Terms and conditions apply. See the policy on our website.

Exam Day Offers
Veterinary staff are not compensated for providing this offer. This special offer is available for pets up to 14 years of age when activated within 24 hours following a veterinary examination. This offer is non-transferable. Limit one per pet. Offer programs vary based on where you live. Terms and conditions apply. See the policy on our website.
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