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 9.5 9.6 9.3
Count 604 4962 14453

Trupanion

9
Out of 10
Insurer: Trupanion
Posted: 03/07/2011
By:
Sylvie Lietz

We had never purchased pet insurance for any of our previous dogs, and when we incurred astronomical vet bills with one of them who had orthopedic problems and then cancer, we thought our next dogs would have to be covered from puppyhood. Our beautiful...

Injury/illness
torn ACL
Claim Amount
Over $1000
Breed

Bernese Mountain Dog

Age of Pet
1 - 8
10
Out of 10
Insurer: Trupanion
Posted: 03/04/2011
By:
Maureen Nelson

I purchased Trupanion insurance for my 10 month old English Setter puppy Lucy a few months ago. I picked up the flyer at our vets office, checked out their information online and signed up right away. On February 11th I took my dog Lucy to the vets and...

Injury/illness
Giardiasis, clostridial overgrowth
Claim Amount
$500 - $1000
Breed

English Setter

Age of Pet
Under a year
10
Out of 10
Insurer: Trupanion
Posted: 03/04/2011
By:
Colleen

Living on Social Security, it's hard to have the extra money for unplanned emergencies. Twice now, Trupanion has come thru for me and my dog, Grady. I am so grateful to my vet for recommending them when I first got my puppy and I'm eternally grateful to...

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

Shetland Sheepdog

Age of Pet
1 - 8
1
Out of 10
Insurer: Trupanion
Posted: 03/02/2011
By:
John

do not buy this pet insurance, have a lab that injured his knee and needed surgery- they denied it and now i have to appeal to them and to an "independent" third party vet, that gets paid by whom??? yes, trupanion, how can this vet ever be impartial?- my...

Injury/illness
acl surgery
Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
Over 8 years
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.