What does pet insurance cover?
Not all pet insurance is created equal. But we cover:
New, unexpected illnesses and injuries
Surgeries, diagnostic tests, and dental
Behavioral and physical therapy
Types of conditions (and other things!) covered
Pet insurance coverage can vary greatly between providers. But here at Trupanion, we're proud to offer some of the most robust coverage around. Examples of the conditions, treatments and other things we cover include but are not limited to:
Hereditary & chronic conditions
- Hip dysplasia
- Heart disease
- Cherry eye
- Cancer & growths
- Diabetes
- Thyroid disease
- Urinary obstructions
- Nervous system issues
Illnesses & accidents
- New, unexpected injuries & illnesses
- Bite wounds
- Allergies
- Swallowed foreign objects
- Upper respiratory infections
- Urinary obstructions
- Kidney disease
- Patella luxation
- Toxic exposure / ingestion
And much more!
- Advanced dentistry
- Medications
- Surgeries & hospital stays
- X-rays, ultrasounds & CT scans
- Prosthetic devices & carts
- Veterinary supplements
- Herbal therapy
- Physical therapy
Your pet deserves the best coverage
We all want the best for our four-legged family members, which is why choosing the right pet insurance is so important. Think of it as a safety net that can help protect both your pet’s health and your budget. The right insurance plan can be a real lifesaver (literally!), making sure you don’t have to choose between your pet's care and your finances when unexpected medical needs arise.
With Trupanion, you have the freedom to choose any licensed veterinarian nationwide, including emergency clinics and specialty hospitals, ensuring your pet can receive care wherever and whenever they need it. Our straightforward coverage means you don’t have to navigate complex policy options or worry about hitting annual limits. Whether it's a routine illness or a major emergency, you have protection without the stress of reaching payout caps or limits.
The right coverage makes a difference
| Condition | Cost without coverage | Cost with Trupanion™ |
|---|---|---|
| Clawdia was suffering from chronic diarrhea and GI upset | $9,098 | $909 |
| Snack was diagnosed with diabetes | $17,055 | $1,705 |
| Laszlo was treated for a urinary tract infection (UTI) | $8,242 | $824 |
| Colt went to the vet hospital because he was limping and had to have his leg removed due to cancer | $15,976 | $1,597 |
Total invoice based on a member plan with 90% coverage on eligible costs and a $0 deductible. See our policy for full coverage details.
Not all pet insurance coverage is equal
Not all pet insurance companies offer coverage for all unexpected injuries and illnesses. A lot of them have generally broad coverage, but there are big exclusions and limits to what they will cover. Sure, your policy may be a few dollars cheaper each month, but will it give your pet the best protection?
Coverage for new, unexpected injuries & illnesses with no annual payout limits or extended waiting periods
Healthy Paws
You are not fully covered until month 13
Extended 12-month waiting period for pets over 6 years old
Does not cover dental disease, prescription food, or therapies
ASPCA
Has yearly coverage limits ranging from $3,000 to $10,000
Only offers limited dental coverage - extractions only due to an accident
Limited deductible options
Figo
No coverage for cancer of any kind
Only covers $500 of rehab costs per year
Holistic and alternative therapies are not covered
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].
Does pet insurance cover routine wellness care?
Routine and general wellness care costs are not included in Trupanion coverage. And by “routine” and “wellness,” we mean things like regular veterinary check-ups and preventative care like flea and tick control. That’s because we don't feel that you should be charged extra for things you can expect and budget for. Many veterinarians offer a robust in-house wellness plan that is far more comprehensive than the pet insurance companies who do offer wellness options (and who then often don’t cover as much in their main plans due to providing this extra coverage). We highly recommend talking with your veterinarian about your options if you are interested in wellness coverage.
At Trupanion, we’re all about helping you handle unexpected veterinary costs for your pet as they arise. Without a good pet insurance policy, pet parents can swiftly find themselves having to choose between their pet’s health and staying afloat financially. Things like accidents and surprise illnesses can quickly become costly and exceed what you’ve budgeted for your pet’s healthcare. But with Trupanion at your side, you can say “yes” to the care your pet needs.
Because they're more than a pet
Your pet is your family, and now you can protect them like it. Whether they bark or meow, Trupanion is designed for the life of your furry friend.
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