Dog insurance that keeps tails wagging

Sad puppy dog eyes is no way to go through life. With Trupanion®, dogs and dog parents get the protection to help cover the unexpected.

A woman holds an Aussie Doodle up as her mate asks the pup what’s for dinner.

Get a dog insurance quote with Trupanion

Why choose Trupanion?

Come one, come all

Trupanion wants to help every breed of dog to live it's best life, with coverage for playful pups and shaggy seniors alike.

No payout limits

Enjoy unlimited payouts on covered cost. Your coverage won’t be dropped no matter how many claims you file

Rated #1 by vets

Pet medical insurance from Trupanion might make you howl with delight (not really) according to veterinarians surveyed across the country1.

Is dog insurance worth it?

Dogs tend to have a nose for adventure, which can lead to an unexpected trip to the vet for them and unplanned vet bills for you. It's estimated that medical expenses for dogs average about $584 per year2, for things ranging from eating chocolate or ear infections to gum disease, osteoarthritis and more. In fact, half of all puppies will experience a surprise vet visit before their first birthday, according to Trupanion’s claims data.

When a State Farm customer's 6 month old puppy named Bulldozer received treatment for a bacterial pneumonia infection, Trupanion paid over $41,000 – ultimately making it possible to save his life.

If your dog is hurt or sick, having a high-quality dog insurance policy from Trupanion can help to prevent vet bills from digging a hole in your budget.

Cartoon of a small brown dog in the front yard being rewarded by her owner with a “good dog” rub for fetching a green ball.
Cartoon of a small brown dog in the front yard being rewarded by her owner with a “good dog” rub for fetching a green ball.

How does Trupanion dog insurance work?

Trupanion strives to provide dogs and dog parents with the most extensive coverage available from any pet insurance company.

Dog coverage includes:

Comprehensive pet medical coverage

Covers new or unexpected accidents, hereditary and congenital conditions and other illnesses.

Quick and easy claims

Vets can submit your claim directly to Trupanion from their office. If you submit your own claim, Trupanion’s claim team processes about 60% of claims in just 24 hours.

Accepted by all veterinarians

Your dog insurance can be used at all licensed veterinary clinics and offices nationwide.

One simple plan

Your pooch gets the coverage with a single, high-quality, and no-nonsense coverage plan3.

Vet care bills might leave you with a hang dog look without the proper coverage.

Talk to an agent today about medical insurance for your dog.

Trupanion dog coverage explained3

From everyday illnesses and injuries to emergency care, hospitalization and more, your dog can get great veterinary care with one simple high-quality plan. Pre-existing conditions are excluded, of course. Dig into the policy details to learn more.


If allergies, cancer, heart disease, or other serious illnesses strike your pet, you can be in a position to provide them the best possible care.

Broken bones or bite wounds can result from accidents. Your pet depends on you to help them heal such hurts.

Whether hereditary or congenital, Trupanion can help with such conditions as elbow and hip dysplasia, cherry eye, thyroid disease and other chronic issues.

Diagnostic tests, surgeries, hospital stays, or even holistic therapy as long as it’s prescribed by a licensed vet for the treatment of a covered condition are some of the medical situations covered.

Medications, prescriptions, veterinary supplements, herbal therapy and even prosthetic devices and carts are included in a Trupanion pet insurance plan.


Common questions about dog insurance

Trupanion covers eligible veterinary care expenses, based on your policy, for your dog or puppy. You’re responsible for any non-eligible expenses.

Eligible veterinary care expenses include new and unexpected illnesses and injuries, hereditary and congenital conditions, diagnostic tests, surgeries, hospital stays, medications and more.

Trupanion doesn’t cover non-eligible veterinary expenses or your portion of expenses for the veterinary care based on your specific policy.

Non-eligible expenses include:

  • Pre-existing conditions
  • Wellness and preventive care (ex. parasite control, spay/neuter, vaccinations)
  • Exam fees3
  • Any applicable taxes3

A pre-existing condition is any illness, condition, or injury for which signs or evidence of their potential manifestation existed prior to your pet's coverage effective date. A pre-existing condition can also be an injury or recurrence of an injury that occurred prior to your pet’s coverage effective date.

No. Your coverage will not be reduced if you take your dog in for emergency care or see a specialist. You'll be reimbursed a certain percentage, based on your specific policy, for all covered claims. If you are referred to a specialist or visit an emergency hospital, you will still see reimbursement for a percentage of all eligible costs. The veterinary exam fee is your responsibility, so if you are charged a specialist fee or emergency fee, this is regarded as the same.

State Farm agents cannot file or process a claim for you. Here are your options for filing a claim:

  • Direct payments. If your vet has Trupanion’s direct pay software, the vet may file the claim on your behalf.
  • Call a Trupanion specialist. You may also file a claim by calling 855-518-1410 to speak with a claims specialist for assistance.
  • Use the Trupanion mobile app. Download the app from the App Store or Google Play.
  • File a claim online. Use Trupanion’s website at

After submitting a claim, inquiries should be directed to Trupanion at 855-518-1410 or through the online member portal. For questions, including claim status and payments, customers can contact Trupanion directly or log in to their Trupanion member portal.

Get a dog insurance quote with Trupanion

Let Trupanion help prepare you and your pup for the unexpected.

Contact a local State Farm agent

Not sure about what you might need or how dog insurance works, reach out to an agent near you.

Want to know more about dog insurance?

Why your dog needs pet medical insurance

What if your pup eats something they shouldn’t? Surgery or specialty care costing hundreds, or thousands, of dollars might be needed. With the help of dog health insurance, you can focus on your dog’s health instead of your bank account.

How to calm a dog or cat during a storm

Thunderstorms and severe weather are common triggers of pet anxiety. But by taking proactive steps in pet preparedness, and by learning how to calm your dog or cat during a thunderstorm, you can help soothe their storm anxiety. 

How to help with separation anxiety in dogs

Dogs may experience separation anxiety as a puppy, adult dog or senior. There may be a number of reasons why your pet has separation anxiety. Learn how you can help.

What are some common dog diseases?

A disease can affect a dog in a variety of ways and may require on-going medical care like diagnostics, medication or even surgery. Certain breeds may be more prone to particular conditions, but it can affect a pet of any age.

3 Terms and conditions may vary by state and can be found on Trupanion’s website.


Pre-existing conditions: If you currently have a pet medical insurance policy, switching carriers or purchasing a new policy may affect certain provisions such as coverages for pre-existing conditions or deductibles already established under your current policy. Let your State Farm® agent know if your existing policy has provisions that might make it beneficial for you to keep.

Pet insurance products are underwritten in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave. S, Seattle, WA 98108. Administered by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Terms and conditions apply, see full policy on Trupanion's website for details.

State Farm Mutual Automobile Insurance Company, its subsidiaries and affiliates, neither offer nor are financially responsible for pet insurance products. State Farm is a separate entity and is not affiliated with Trupanion or American Pet Insurance.

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites referenced in this material. Products and services are offered by third parties and State Farm does not warrant the merchantability, fitness or quality of the products and services of the third parties.