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Breed-specific and chronic conditions covered for life
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How does puppy insurance work
Pet insurance provides a health insurance policy that helps cover surprise vet bills for mischievous puppies. You will pay a monthly premium and in return receive 90% coverage for all new, unexpected illnesses and injuries for the life of your pup.
Learn about VetDirect Pay™
See how Trupanion helped Dory
Dory, a 2-month-old toy poodle, ate something hazardous. Trupanion received a $3,023 claim for her treatment.
Based on the invoice:
$3,023
Trupanion paid:
$2,375
Dory's parent paid:
$648
Based on a member plan with 90% coverage and a $0 deductible. See our policy for full coverage details.
Learn about VetDirect Pay™
Insurance for puppies that pays
With Trupanion, you can focus on ensuring your new puppy receives the best veterinarian care from the start instead of worrying about the bill.
90% of your vet bills covered
Give your pet the best care and treatment available without worrying about the cost.
Reduce your upfront costs
We can pay our portion directly at checkout, so you don’t have to wait to be reimbursed.
No payout limits
Unlike other providers, we don’t limit our payouts so your pup is covered no matter the cost.
Why Trupanion?
Coverage that protects your new pet like you do
From swallowed toys to ear infections (and everything in between), we’ve got your puppy’s back for whatever life may toss their way.
Hereditary conditions
Breed-specific conditions
Diagnostic tests
Unexpected injuries
Prescription food
Allergies
Read more about coverage
Is puppy insurance worth it?
Puppy illnesses and injuries can cost more than you think. Did you know 1 in 2 puppies need unexpected veterinary care before their 1st birthday? As we’ve learned while paying over $2 billion in veterinary invoices, pet parents often can’t plan or budget for their pup’s surprise health treatment costs.
Recently claimed conditions for puppies under 1:
- $57,044.57 - pneumonia treatment for 2 month old puppy, Amethyst
- $17,697.65 - 10 month old Hank’s fractured leg
- $5,348.29 - treatment for 6 month old Luna’s UTI (urinary tract infection)
Got questions? We have answers!
If your puppy faces any new, unexpected injuries or illnesses, Trupanion can help pay for the cost of their treatment — from diagnostic testing and medications to surgeries and everything in between. No pet parent should ever have to compromise on their puppy’s care, which is why our coverage is tailored to have your pet’s back no matter what.
We love when our members are informed. Learn more about your fully comprehensive coverage.
We’re here to help you pay for new, unexpected illnesses and injuries, which are difficult to budget for, instead of expected routine check-ups or preventive care. These expenses are often more affordable than emergency care, so why pay more for things you can budget for? Injuries and accidents, on the other hand, can become costly very fast. Without puppy insurance, some pet parents have to choose between their puppy’s health and staying afloat financially.
The things we don’t cover include:
- Wellness or preventive care
- Pre-existing conditions or anything that showed signs before you started your 30-day trial
- Elective or cosmetic procedure (ear cropping or dew claw removal)
- Exam fees
- Sales tax (where applicable)
If your veterinary hospital is among the many that accept Trupanion Vet Direct Pay, all you need to do is tell your hospital that you have Trupanion coverage, and they’ll be able to submit your invoice right at checkout, with processing and payment often taking just seconds.
Going to a hospital not set up for Vet Direct Pay? No problem! You can also file online through your account or submit manually by downloading a claim form and we'll reimburse you as quickly as possible — 63% of claims are paid within 24 hours!
We only adjust your monthly cost based on inflation and to keep up with veterinary costs. That’s it. Most providers also use your puppy getting older and your coverage usage as an excuse to charge more. We don’t. Once you join Trupanion, your monthly cost will never go up based on your pet’s age or the number of claims you submit.
8/10 members say our coverage helped save their pet's life
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Puppy parenting should be fun!
Check out these puppy care articles from our expert team at Trupanion
7 Creative New Puppy Announcement Ideas
From selecting the perfect name to preparing your home for your new puppy's arrival, every step of the journey can be filled with joy and anticipation.
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Tips for Choosing a Puppy Class
Choosing a puppy class is an important step in setting your puppy up for a lifetime of success. By following these tips, you can choose a puppy class that meets your puppy's needs.
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Essential Tips for Puppy-Proofing Your Home
Puppy-proofing your home is a crucial step in welcoming your new pet and, most importantly, helping keep them safe and healthy for years to come.
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We’re always ready to help
Our customer care team is available 24/7/365.