Let's talk about price
Most pet insurance companies increase your rates significantly simply because your pet ages — sometimes doubling or even tripling your costs over time.


This example is based on a Labrador puppy in California, where we compared Trupanion's lifetime cost with Pets Best, Lemonade, Embrace, Pumpkin, MetLife, and Fetch. Information was pulled from public filings as of March 1, 2025 and includes assumptions based on annual inflation.
At Trupanion, we price pet insurance based on expected lifetime care, considering factors like breed, age, and location. Your rate may start higher, and while it may adjust for rising costs in care, it will not increase just because your pet gets older.

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.)
Offer not available in New York.
Frequently asked questions
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.
