Top-rated California pet insurance
Protecting dogs and cats for over 25 years
Vet bills can be paid directly at checkout
Lifetime coverage with no payout limits
See any vet, specialist, or emergency care in California and beyond
The best pet insurance choice in California
Trupanion helps cover unexpected vet costs so you can say “yes” to medical treatment your pet needs, without worrying about how to pay the full bill. That's why we're rated #1 in America, trusted by more veterinarians than any other provider.
1 in 3 pets need unexpected care each year
Whether they’re injured on a hike or get sick at home, having the right coverage helps you protect them when it matters most. With Trupanion, 90% of your bill can be paid instantly to your vet at checkout — no more waiting for reimbursement!
See how Trupanion helped Lloyd in San Francisco
Not long after signing up for a policy, Lloyd was diagnosed with encephalitis.
Based on Lloyd's claims
$2,835.00
Trupanion paid:
$2,520.90
Lloyd's parents paid
$314.10
Total invoice based on a real member plan with 90% coverage on eligible costs with a $500 deductible – the remaining $34 deductible portion paid at time of claim. See our policy for full coverage details.
Keeping coverage fair for California pets
We know shopping for pet insurance in the Golden State can be tricky. You may feel drawn to providers with supremely low rates, but be careful of this bait-and-switch. Cheap monthly prices will likely increase and can come with multiple catches.
At Trupanion, your pet always comes first.
Will my coverage reduce over my pet's lifetime?
No! Unlike other providers, we don’t decrease your coverage year-to-year, so you can count on top-tier protection for the life of your pet.
Will my price increase simply because my pet gets older?
No! Trupanion is one of the only California pet health insurance providers that does not practice birthday pricing. While your cost can still change over time due to things like inflation and advances in veterinary care, we will never increase it simply because your pet gets older.
Will I pay more after using my coverage?
No! You'll never pay more just for using your coverage, and we encourage you to utilize your policy as often as needed. Your Trupanion policy is designed to cover new, unexpected illnesses and injuries for the life of your pet.
Love without limits in the Golden State
We keep California dog insurance and cat insurance simple by providing high-quality coverage, enabling you to access the best veterinary care available. Other providers often cut costs by restricting their payouts, but we’ll never cap what we pay.
Your love doesn't have limits, so neither should your coverage
No payout limits
Unlike other providers, we don't limit our payouts so your pet is covered no matter the cost.
No annual limits
With no payout limits, you don’t have to worry about how many times your pet gets sick or injured in California or elsewhere.
No lifetime limits
Trupanion is by your side with robust coverage and no payout limits for the life of your pet.
Why do California pet parents love us?
Over 98% of all members renew their coverage month after month
No payout limits
We cover your pet’s condition for life with no cap on what we pay.
We pay vets the fastest
We can pay your veterinarian directly at checkout within seconds so you don’t have to wait on reimbursement.
Trusted by vets
We're #1 in America as chosen by veterinarians, earned with coverage you can rely on.
We follow through
We've paid out over $3 billion in claims so pets just like yours receive the care they deserve.
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We’re always ready to help
Our customer care team is available 24/7/365.
