Pet insurance for furry family members

We treat our pets like family, so we want them to get quality medical care when they are sick or injured. Trupanion® helps provide cats and dogs coverage and protection.

Get a pet insurance quote with Trupanion

Why choose Trupanion?

Come one, come all

Trupanion wants to help every breed of dog live a great 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

Trupanion medical insurance is your pet’s BFF according to veterinarians surveyed across the country1.

Watch a short video and see how Trupanion pet insurance helps protect your four-legged family members.

Our pets’ medical issues can be challenging and expensive. That’s why State Farm offers Trupanion medical insurance for all dog and cat breeds.

Like Sam, whose medical care could have cost his human thousands.

And Abby, who got the care she needed, when her love for adventure took a costly turn.

Then there’s Jagger, whose humans were able to focus on his lifelong treatment, and not his lifelong vet bills.

Don’t wait until your pet’s next vet visit.

Talk to your State Farm agent about Trupanion pet medical insurance today.

Shop for pet insurance

Take care of your bow-wows and meows with high-quality pet medical insurance

For dog lovers

From Hounds and Huskies to Poodles and puppies, Trupanion’s got coverage for your beloved canine.

Learn more about dog insurance

For cat people

Be it Shorthairs, Ragdolls, Persians or a Tuxedo, keep your feline feeling fine from kittens to senior cats.

Learn more about cat insurance

Talk to a human

Learn about how it works. Coverage, pricing and more from someone who knows.

Find a local agent

Is pet insurance worth it?

Don’t end up in the doghouse (financially) when the unexpected occurs.

Cats and dogs can get sick or sustain injuries for any number of reasons. You shouldn't have to think about the cost when your pet requires medical attention.

Things like diagnostic tests, imaging, and hospitalization can be more costly than you imagine. The average cost of surgical care for a dog is about $458, and for cats it’s about $2012. That could take a bite out of your wallet.

With the right pet medical insurance, you can focus on the health of your paw-son when they need veterinary care.

How does pet insurance work?

Trupanion strives to provide you and your furry family members with the most extensive coverage available from any pet insurance company.

Pet coverage includes:

Comprehensive pet medical insurance coverage

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

Quick and easy claims

Vets with Trupanion’s direct pay software 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 pet insurance can be used at all licensed veterinary clinics and offices nationwide.

One simple plan

Your pet gets great coverage, with a single, high-quality and no-nonsense coverage plan3.

Put a leash on your pet’s medical bills.

Talk to an agent today about medical insurance.

Cats and dogs coverage explained

From everyday illnesses and injuries to emergency care, hospitalization and more, your pet can get great veterinary care with one simple 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 pet insurance

Trupanion covers eligible veterinary care expenses based on your policy for your pet. 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 pet 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 pet insurance quote with Trupanion

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

Contact a local State Farm agent

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

Want to know more about pets?

Why you should consider Pet Medical Insurance

Pets get sick just like people. And sometimes more care is needed than expected. They may need hospitalization, testing and surgery. Getting your best friend the care they need shouldn’t deplete your savings or require dipping into new lines of credit.

How to drive safely with pets

Make sure you know the law and protect those in your vehicle. Just like infants and toddlers need special care and safety seats, some states require your furry friends to be restrained.

Discover ways to pet proof your home

Raise your hand if your dog or cat follows you into the bathroom, “helps” you cook and fold laundry or nibbles on houseplants. Some of these behaviors can be endearing — but some veer into dangerous territory. With a little bit of preparation, you can help keep them safe from pet hazards, even when you can’t be there.

See pet-friendly fixes and safety tips

You’re not always home to shoo them from danger. Or you have to pay attention to traffic. Explore these pet-friendly fixes so you won’t have to worry about what your pet might be getting into.

1 Top Veterinary Products form dvm360

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.