Beans· by TrupanionGet a quote →
Backed by 25 years of Trupanion data

Your pet's
got backup.

When something goes wrong — and with pets, something always does — we pay your vet directly. You walk out only paying your share. No forms. No waiting. No drama.

See what it costs for your pet →Member sign-in
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+92,000 pets covered
across North America · No claim limits · Cancel anytime

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Hero illustration or photo
Square format · Warm, joyful
Brand direction A / B / C
Suggested: new pet parent moment,
not a vet visit
Real claims
Bear swallowed a rock · we paid $1,847 · 38 seconds—Mochi had a UTI · we paid $420 · 12 seconds—Pepper needed two teeth out · we paid $3,210 · 9 seconds—Olive tore her ACL · we paid $5,840 · 45 seconds—Bear swallowed a rock · we paid $1,847 · 38 seconds—Mochi had a UTI · we paid $420 · 12 seconds—Pepper needed two teeth out · we paid $3,210 · 9 seconds—Olive tore her ACL · we paid $5,840 · 45 seconds
How it actually works
01

You tell us about your pet. We tell you what's likely ahead.

Different breeds get different things. A French Bulldog has different risks than a Golden. We've seen 25 years of claims — so we can actually show you what your specific pet is likely to need, and what it might cost, before you sign up for anything.

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Concept illustration · Pet + knowledge / data
02

When something happens, we pay your vet. Not you, later.

Most pet insurance makes you pay the whole bill upfront and wait weeks to get reimbursed. We skip that part entirely. We pay your vet directly while you're still at the clinic. You just cover your portion and go home.

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Concept illustration · Vet payment moment
Insurance words, translated
Deductible
The first bit you pay
Before we kick in, you cover a small amount per condition for the life of your pet — not every year. You pick how much.
Co-insurance
Your split after that
Once you've hit your deductible, we cover 90% of the remaining bill. You cover 10%. So for a $2,000 vet visit: deductible + 10% of the rest.
Pre-existing condition
Something already going on
If your pet was diagnosed with something before you enrolled, that specific thing won't be covered. Everything that happens after you join? Covered.

Four things.
One promise.

The product
01
The Quote
See what's ahead for your specific pet.

Different breeds get different things. We've seen 25 years of claims — so we can actually show you what your pet is likely to need, and what it might cost, before you sign up for anything.

03
Pre-Auth
We pay your vet. Not you, later.

At the vet, we approve and pay in seconds. You walk out only paying your share. No forms, no 800 number, no waiting on hold.

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Photo / illustration · Landscape format Wide visual moment · Warm, lifestyle
02
The Pulse
A heads-up every month, before you need it.

What to watch for this month — based on your pet's age and breed. Useful between emergencies, not just during them.

04
The Receipt
Every month: what you paid, what we paid, and exactly what we made.

Our margin, right there. Because why would we hide it?

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Photo / illustration · Square format
Real claims · Real receipts

Real pets. Real bills.
Real payouts.

Pet names changed. Breed, dollar amount, seconds to pay — all real. This month.

Bear
Golden Retriever · 2yr
Swallowed a rock. Emergency surgery.
Total bill
$2,300
We paid
$1,847
Paid to vet · 38 seconds
Mochi
Shiba Inu · 5yr
UTI. Antibiotics and exam.
Total bill
$530
We paid
$420
Paid to vet · 12 seconds
Pepper
Mixed breed · 4yr
Dental cleaning. Two extractions.
Total bill
$3,900
We paid
$3,210
Paid to vet · 9 seconds
Olive
Labrador · 4yr
ACL tear. Surgery and recovery.
Total bill
$7,200
We paid
$5,840
Paid to vet · 45 seconds
“

I didn't even have to think about the bill. The vet said it was approved before I finished putting my card away.

— Maya R. · Golden Retriever owner · Vancouver, BC

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Photo / illustration
Pet or lifestyle moment
Emotional, warm
By the numbers
$14.2K
Average paid out per pet over their life

That's real money back into members' pockets — not a projection.

70¢
Of every dollar goes back to members

For every $100 you pay us, $70 goes back to cover claims.

Under 60 seconds
From approved to vet paid

While you're still standing at the front desk.

Zero
Surprise denials after you've already paid

You know what's covered before anything happens. That's the whole point.

The product · App moments

What it actually
looks like.

01 · The Quote result
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App screen Quote result view Breed-specific forecast

Your pet's likely needs over their lifetime — specific to their breed and age, not an average.

02 · Pre-auth at the vet
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App screen One-tap pre-auth Claim approval moment

One tap at the clinic. We approve and pay directly. You see your share before you commit.

03 · The Pulse card
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App screen Monthly Pulse card Proactive health heads-up

This month's heads-up for your pet — before you need to go looking for it.

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See what we'd cover for your pet — before you give us a card.

Takes 2 minutes · No commitment · Cancel anytime

Get a quote →