Our pricing promise to you

All pets deserve high-quality health coverage for life, at a fair price without surprises — that's our commitment.

A female pet owner with affordable pet insurance playing with their white dog in a green field.

Pet health is always our priority

At Trupanion, we monitor veterinary costs over time and by location. We share the financial risk of pet injuries and illnesses, so our members can have access to the care their dogs and cats need for life. To put it bluntly, we put pets before profit.

A female pet owner learning about Trupanion pet insurance cost kissing their white dog outdoors.

You’ll never pay more just for using your coverage

Having to use your pet’s coverage shouldn’t come with consequences, which is why we won’t hike your monthly cost when your pet needs care. After all, Trupanion is designed to cover new, unexpected illnesses and injuries for the life of your pet.

Plus if we're paying veterinary invoices, it often means a pet is receiving life-saving treatment. With our top-rated cat insurance and dog health insurance, we’re proud to say we’ve paid out over $3 billion in vet bills and counting!

30-day money-back guarantee

We’re confident you’ll love us. But if you change your mind, just let us know within the first 30 days for a full refund (as long as we haven’t paid a claim for you.)

A pet owner in a boat with their dog looking to learn how much is pet insurance a month.

Over 98% of Trupanion members renew

Pet parents love our lifetime coverage, and simple payment process — over 98% of them renew their policy with us every month!

Get a quick quote

Frequently asked questions

Every pet is different and so is the cost of their health insurance. A two-year-old golden retriever in Vancouver might have a different monthly rate than a five-year-old female Siamese cat in a rural region. The veterinary care available in your area can also be a determining factor. We encourage you to get a quote or give us a call for a better picture of what your cost with Trupanion will be.

Any one you like! With Trupanion, you can use your coverage anywhere your pet needs care — any licensed veterinary clinic, animal hospital or specialty hospital in the United States, Canada, or Puerto Rico.

If your veterinarian is set up for Vet Direct Pay, you don’t have to file a claim and wait to be approved. We’ll receive your invoice via our software, and we’ll process it right then and there while you’re checking out from your appointment.

If your veterinary hospital is not currently set up for Vet Direct Pay, we will send you a check in the mail. You also have the option to receive your claims payment directly into a checking or savings account via direct deposit. You can set this up by calling 888.733.2685.

No, and there’s a specific reason for this. Instead of relying on discounts and other gimmicks brought on by reduced coverage or increased general rates, we provide quality pet medical insurance at the best-value costs possible right from the start.

There are many ways to pay for your monthly pet medical insurance rate with Trupanion. You can pay by debit card, credit card (Visa, MasterCard, or American Express) or set up monthly bank account withdrawals and your premium will automatically be charged each month. If you have questions about your specific coverage costs or paying for insurance in general, just give us a call.