Trupanion makes things simple by offering one plan that pays 90% of actual veterinary costs for eligible claims once the deductible for that condition is met. They are the only provider that has the option to pay your veterinarian directly and can do so in 5 minutes or less, you simply take care of your portion and Trupanion will work with your veterinarian to pay the remainder.

Learn more about Trupanion Canada's plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider. 

Average customer rating

9.1 Out of 10
60 Days 1 Year Lifetime
Rating 7.1 8.9 9.1
Count 26 399 8343

Trupanion

10
Out of 10
Insurer: Trupanion
Posted: 08/04/2011
By:
Lisa Gaudet

When I first heard of Pet Insurance, I had mixed feelings. It made sense to insure pets in the way we insure our other family members, but how necessary could it be? When we decided to add a chocolate lab to our family, we did our research and learned...

Injury/illness
Osteochondritis Dissecans
Claim Amount
Over $1000
Breed

Labrador Retriever

Age of Pet
Under a year
10
Out of 10
Insurer: Trupanion
Posted: 08/04/2011
By:
safrenn

One Saturday morning my english bulldog, hogie, woke up withsigns of a bladder infection. he was straining to pee and ina  lot of pain. I took him into the vet immediately and theydid a urinalysis which of course would take a day to get    results back...

Injury/illness
toxicity to antibiotics
Claim Amount
Over $1000
Breed

Bulldog

Age of Pet
Under a year
10
Out of 10
Insurer: Trupanion
Posted: 08/03/2011
By:
Traci and Dakota

I decided to invest in pet insurance with my new pup after spending a lot of money on my pets in their elder years. I did it solely as a preventative measure for the future, not anticipating I would need to call on it when Dakota was only 1.5 years old.
...

Injury/illness
TPLO - Knee surgery / ACL
Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Insurer: Trupanion
Posted: 08/01/2011
By:
HELEN

MY BASSET HOUND IS INSURED WITH TRUPANIONAND WHEN I HAD A CLAIM THEY HAD IT PROCESSED WITHIN 3 DAYS. GREAT SERVICE DEFINITLY WORTH THE $$

Injury/illness
GRASS STUCK UNDER TONSIL
Claim Amount
$100 - $500
Breed

Basset Hound

Age of Pet
1 - 8
Monthly Cost

Monthly cost varies due to multiple factors including: your pet's breed, age at enrollment, and gender, the chosen deductible and the cost of veterinary care in your area.

Monthly premiums do not automatically increase just because your pet has a birthday or just because you file a claim.

 

Coverage

90% coverage for all new injuries and illnesses—once the deductible is met, Trupanion pays 90% of the remaining invoice.

Coverage for all hereditary and congenital conditions, as well as hip dysplasia without any additional waiting periods.

Alternative therapies, such as acupuncture, physical therapy, hydrotherapy, are available under the Recovery and

Complementary Care Rider.

Trupanion pays off the invoice, no “usual & customary” limits and has the ability to pay your veterinarian directly and in as little as 5 minutes. You simply pay your portion at check-out and Trupanion works with your veterinarian directly to take care of the rest.

 

Payout Limits

Unlimited lifetime coverage with no payout limits or caps.

 

Deductible

Offers a flexible deductible from $0 - $1000, to fit any budget and can be raised or lowered at any time.

A lifetime, per condition deductible meaning that once the deductible is met for a condition is met you policy begins paying out at 90% for anything related to that condition for the rest of your pet's life. *This is great for chronic conditions that can span the entirety of a pets life such as allergies or cancer.

 

Age Limits

Pet must be at least 8 weeks old and under 14 years old to enroll.

Once enrolled, pets stay insured regardless of age and coverage will not change.

 

Waiting Period

Coverage begins 30 days after date listed on policy. 

 

Exclusions

Pre-existing conditions are not covered. 

Alternative therapies are available for an extra amount. 

 

Trupanion’s biggest differentiator is that they can pay your veterinarian directly and in as little as 5 minutes. With the vet direct pay option, there is no waiting weeks for reimbursement. You simply pay your portion of the bill and Trupanion takes care of the rest, working directly with your veterinarian.

Trupanion offers one simple plan that pays 90% of actual veterinary costs for eligible claims once your deductible for that condition is met and offers unlimited lifetime coverage with no payout limits or caps.