Trupanion

Trupanion is a pet medical insurance provider for cats and dogs, best known for its patented software that pays participating veterinary hospitals directly at checkout (VetDirectPay) rather than reimbursing pet owners after the fact. Trupanion operates a partner developer portal (Azure API Management) that exposes Partner APIs for Quotes, Enrollments, and Offers, plus a Vet Portal / VetDirectPay integration used by veterinary practice management systems such as ezyVet, IDEXX, and DaySmart Vet. API access is gated - partners must be approved through Trupanion's Partner Program and are issued OAuth client credentials (client ID and client secret) plus a subscription key; the endpoint reference is not publicly published. The APIs listed here are modeled from Trupanion's public partner and portal materials, not from an openly documented API reference.

Trupanion publishes 4 APIs on the APIs.io network. Tagged areas include Pet Insurance, Insurance, Veterinary, Insurtech, and DirectPay.

Trupanion’s developer surface includes documentation, getting-started guide, signup flow, and 4 more developer resources.

🌐 Visit website 📡 Source on GitHub

8.8/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-25 · rubric v0.14.0

AccessApproval

4 APIs

Pet Insurance Insurance Veterinary Insurtech DirectPay Partner API

Kin Score

Kin Score How this is scored →
scored 2026-08-25 · rubric v0.14.0

Composite quality — 8.8/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 2.2 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 5.5 / 9

Regulatory Posture 1.4 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Surface 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/trupanion: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 4

Individual APIs this provider publishes, each with its own machine-readable definition.

Get Started 2

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

SignUp

SignUp

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Company 3

The organization behind the API

LinkedIn

Website

Website

PartnerProgram

PartnerProgram

Source (apis.yml)

aid: trupanion
url: https://raw.githubusercontent.com/api-evangelist/trupanion/refs/heads/main/apis.yml
name: Trupanion
kind: company
description: Trupanion is a pet medical insurance provider for cats and dogs, best known for its patented software that pays
  participating veterinary hospitals directly at checkout (VetDirectPay) rather than reimbursing pet owners after the fact.
  Trupanion operates a partner developer portal (Azure API Management) that exposes Partner APIs for Quotes, Enrollments,
  and Offers, plus a Vet Portal / VetDirectPay integration used by veterinary practice management systems such as ezyVet,
  IDEXX, and DaySmart Vet. API access is gated - partners must be approved through Trupanion's Partner Program and are issued
  OAuth client credentials (client ID and client secret) plus a subscription key; the endpoint reference is not publicly published.
  The APIs listed here are modeled from Trupanion's public partner and portal materials, not from an openly documented API
  reference.
accessModel:
  pricing: unknown
  onboarding: approval
  trial: false
  try_now: false
  public: false
  label: Requires approval
  confidence: medium
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/trupanion.png
tags:
- Pet Insurance
- Insurance
- Veterinary
- Insurtech
- DirectPay
- Partner API
tags_raw:
- Pet Insurance
- Insurance
- Veterinary
- InsurTech
- Direct Pay
- Partner API
created: '2026-07-03'
modified: '2026-07-03'
specificationVersion: '0.23'
apis:
- aid: trupanion:trupanion-quotes-api
  name: Trupanion Quotes API
  tags:
  - Quotes
  - Pricing
  - Insurance
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://api-documentation.trupanion.com/
  properties:
  - url: https://api-documentation.trupanion.com/
    type: Documentation
  - url: https://sandbox-trupanionapi.developer.azure-api.net/getting-started
    type: GettingStarted
  endpointsModeled: true
  description: Partner API for generating and retrieving Trupanion pet insurance quotes (species, breed, age, location, and
    coverage inputs) so partners can surface a monthly premium in their own enrollment flow. Named as a partner product on
    Trupanion's sandbox developer portal; the operation-level endpoint reference is gated behind partner sign-in and is modeled
    here, not fabricated.
- aid: trupanion:trupanion-enrollments-api
  name: Trupanion Enrollments API
  tags:
  - Enrollments
  - Policies
  - Insurance
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://api-documentation.trupanion.com/
  properties:
  - url: https://api-documentation.trupanion.com/
    type: Documentation
  - url: https://sandbox-trupanionapi.developer.azure-api.net/getting-started
    type: GettingStarted
  endpointsModeled: true
  description: Partner API for converting a quote into an active Trupanion policy - submitting pet, owner, and payment details
    to enroll a member and bind coverage. Named as a partner product on Trupanion's sandbox developer portal; the endpoint
    reference is partner-gated and is modeled here rather than sourced from a public API reference.
- aid: trupanion:trupanion-offers-api
  name: Trupanion Offers API
  tags:
  - Offers
  - Promotions
  - Partnerships
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://api-documentation.trupanion.com/
  properties:
  - url: https://api-documentation.trupanion.com/
    type: Documentation
  - url: https://sandbox-trupanionapi.developer.azure-api.net/getting-started
    type: GettingStarted
  endpointsModeled: true
  description: Partner API for retrieving Trupanion offers and promotional coverage programs (for example, breeder, shelter,
    and retail partner offers) that a partner can present to a pet owner. Named as a partner product on Trupanion's sandbox
    developer portal; the endpoint reference is gated and modeled here.
- aid: trupanion:trupanion-vet-portal-directpay-api
  name: Trupanion Vet Portal / VetDirectPay Integration
  tags:
  - DirectPay
  - Claims
  - Veterinary
  - Practice Management
  tags_raw:
  - Direct Pay
  - Claims
  - Veterinary
  - Practice Management
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://vet.trupanion.com/
  properties:
  - url: https://vet.trupanion.com/
    type: Documentation
  - url: https://docs.ezyvet.com/en/see-all-integrations/insurance/trupanion-insurance-integrations/configure-the-integration-for-trupanion-vet-portal
    type: IntegrationGuide
  endpointsModeled: true
  description: Software integration behind Trupanion's VetDirectPay - the patented ability to submit a treatment invoice and
    pay the veterinary hospital directly at checkout, often before the pet owner leaves the exam room. Consumed by veterinary
    practice management systems (ezyVet, IDEXX, DaySmart Vet) that configure a Trupanion API partner integration using an
    issued client ID and client secret. Not a publicly documented REST reference; endpoints are modeled from partner integration
    guides.
common:
- type: DomainSecurity
  url: security/trupanion-domain-security.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/trupanion
- type: Website
  url: https://www.trupanion.com/
- type: Documentation
  url: https://api-documentation.trupanion.com/
- type: GettingStarted
  url: https://sandbox-trupanionapi.developer.azure-api.net/getting-started
- type: PartnerProgram
  url: https://www.trupanion.com/about/partner-with-trupanion
- type: SignUp
  url: https://sandbox-trupanionapi.developer.azure-api.net/signin
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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Trupanion

Kin Score

APIs 4

Trupanion Quotes API

Trupanion Enrollments API

Trupanion Offers API

Trupanion Vet Portal / VetDirectPay Integration

Security Posture 1

Trupanion Domain Security

Resources