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

9.3 Out of 10
60 Days 1 Year Lifetime
Rating 9.6 9.5 9.3
Count 702 4726 14072

Trupanion

8
Out of 10
Insurer: Trupanion
Posted: 12/15/2014
By:
Sarah Laundy

Very happy with service. Took a great deal of stress out of a very stressful situation.

Injury/illness
Ivdd
Claim Amount
Over $1000
Breed

Boston Terrier

Age of Pet
Over 8 years
9
Out of 10
Insurer: Trupanion
Posted: 12/14/2014
By:
Auggie

I feel this company is extremely fair, in my experience signing up with them will be an asset in the monetary requirements of responsible pet ownership. It is superior in all ways to my other carrier but I cannot change due to existing issues and the age...

Injury/illness
various claims all presented at the same time for 2014
Claim Amount
Over $1000
Breed

Standard Poodle

Age of Pet
1 - 8
10
Out of 10
Insurer: Trupanion
Posted: 12/13/2014
By:
Amy Parkins

After 8 months of dealing with sleepless nights while Wedge • gasping while sleeping
• 24 runny nose
3 surgerys later, Soft palate trimmed, Rhinoplasty and Sliding Hernia operation
I am now comfortable to report that our crazy, awesome, funny, lovable...

Injury/illness

Gastritis/vomiting

Sliding hernia, soft palate, rhinoplasty
Claim Amount
Over $1000
Breed

Pug

Age of Pet
1 - 8
10
Out of 10
Insurer: Trupanion
Posted: 12/12/2014
By:
Karen

My dog was diagnosed with heart failure almost 2 years ago. The medications, xrays, bloodwork, echocardiograms, etc. cost thousands of dollars. Trupanion paid 90% of the costs and the money was usually in my account before my credit card bill came in....

Injury/illness
Heart failure
Claim Amount
Over $1000
Breed

Cavalier King Charles Spaniel

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.