Top-rated Iowa pet insurance
Protecting pets like yours for over 25 years
Vet bills can be paid directly at checkout
Lifetime coverage for dogs and cats with no payout limits
See any vet, specialist, or emergency care in the Midwest and beyond
The best pet insurance choice in Iowa
Trupanion takes the worry out of unexpected vet bills, making it easier for you to say “yes” to the care your pet needs, without stressing over the entire cost. And it’s not just popular in Iowa—Trupanion is America’s top-rated pet insurance, trusted by veterinarians nationwide.
1 in 3 pets need unexpected care each year
Whether your buddy swallows a toy or gets sick chewing on plant leaves they shouldn’t, having the right coverage helps you protect them when it matters most. With Trupanion, up to 90% of your bill can be paid instantly to your vet at checkout — no more waiting for reimbursement!
See how Trupanion helped Lucy in West Des Moines
When this spry Jack Russell Terrier was 3 years old, she tore her ACL jumping for a ball and required surgery to repair.
Based on Lucy's claims:
$3,724.11
Trupanion paid:
$3,215.80
Lucy's parent paid:
$508.31
Total invoice based on a real member plan with 90% coverage on eligible costs with a $200 deductible applied. See our policy for full coverage details.
Ensuring fair coverage for Iowa pets
Choosing the right pet insurance isn’t always easy. While low rates from some providers can be tempting, it’s important to watch out for potential bait-and-switch tactics. Those attractive monthly premiums often rise over time and may come with hidden drawbacks.
Whether you’re in Des Moines or Davenport— 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 pet health insurance providers (in the country, not just Iowa) that does not practice birthday pricing. Your cost can still change over time due to things like inflation and advances in veterinary care, but 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 Hawkeye State
Other providers often cut costs by restricting their payouts, but we keep IA dog insurance and cat insurance simple by providing high-quality coverage with no cap on what we pay out.
Your love doesn’t have limits, so neither should your coverage
No payout limits
Unlike other providers, we don’t limit our payouts. Your pet is covered for eligible expenses no matter the cost.
No annual limits
You don’t have to worry about how many times your pet gets sick or injured — in Iowa or anywhere.
No lifetime limits
Trupanion is by your side with robust coverage and no payout limits for the life of your pet.
Why do Iowa 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 out.
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 $4 billion in claims so pets just like yours receive the care they deserve.
Trusted by vets, loved by pet parents
Iowa pet parenting tips
Whether you’re exploring the Loess Hills, wandering along the banks of the Mississippi, or enjoying a day in the city, our Pet Parenting blog is your trusted companion for every adventure you share with your pet in Iowa.
Winter Safety Tips for Dogs and Cats
Iowa winters can bring freezing temperatures, icy sidewalks, and seasonal hazards for dogs and cats. Learn simple ways to help protect your pet during colder months.
Cold Symptoms in Dogs
Dogs can show signs of respiratory illness that may look like a cold. Learn what symptoms to watch for and when Iowa pet parents should contact their veterinarian.
Emergency Planning for Pets
Storms, power outages, and unexpected emergencies can happen quickly. Make sure your dog or cat is included in your family’s emergency plan.
We’re always ready to help
Our customer care team is available 24/7/365.
