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

10
Out of 10
Insurer: Trupanion
Posted: 08/12/2010
By:
patricia harpst

five stars, had for six months when my baby got cancer. They have paid for surgery chemo radiation about ten thousand dollars so far. Processed my initial claim in three weeks. Now I fax claim on monday and have check by saturday. This is the best...

Injury/illness

Cancer

Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Insurer: Trupanion
Posted: 08/11/2010
By:
John Colby

This is by far the best thing anyone can do for their pet and themselves.I picked up a brochure at my Vets office after getting a staggering bill for the removal of a tooth and a cleaning. I told myself I did not want this to happen again so I bought the...

Injury/illness

Cancer

Claim Amount
Over $1000
Breed

Shepherd Mix

Age of Pet
Over 8 years
1
Out of 10
Insurer: Trupanion
Posted: 08/06/2010
By:
Elizabeth

My little dog required surgery for severe peridontal disease. If the dog did not have the surgery he would have contracted an infection and possibly die. My vet thought that this would be covered as I had done preventative steps to avoid this outcome....

Injury/illness
peridontal
Claim Amount
$500 - $1000
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Insurer: Trupanion
Posted: 08/05/2010
By:
Terri Benson

I had been considering Trupanion for months but, it got put on the back burner. Until I needed to take my puppy to the vet and the first thing they asked was if I had insurance. $300 later, I was wishing I did have it!
I did some research, made...

Injury/illness

Ear Problem

Skin problem

Claim Amount
$100 - $500
Breed

Cocker Spaniel

Age of Pet
Under a year
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.