Trupanion Canada | Pet Insurance Review


out of 5

Number of reviews 25,872

Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process. Trupanion was founded in Canada and provides bets-in-class coverage and is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets. To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month. 1Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy. *Terms and conditions apply. Please view your sample policy for complete coverage details. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit to review all available pet health insurance products.

out of 5

POSTED: | BY: Michael Brown

We have been with Trupanion for over 12…

We have been with Trupanion for over 12 years and it has become a horrible company. All they do is pay you lipservice while denying everything. We had a number of claims that were submitted before the procedures and they refused to pay anything hiding behind their deductibles and co-pay. When contacted all we got was lip surface and doublespeak from the script that the people read. I wish that I had never brought my pets to them and had gotten another provider because they are an absolute terrible company.

out of 5


The most Shady and unreliable service…

The most Shady and unreliable service ever. You are better off saving the $75/month yourself. Deductible is insanely high and they scrounge as much as they can. Customer service is horrible aswell. Bunch of snakes. 🐍

out of 5

POSTED: | BY: Doug Christie

Make sure to do your homework before signing up

I was very pleased with the coverage offered by this company. However I caution any new customers, do your homework before joining. I joined specifically for the direct payment to the vet. I check with Trupanion and yes I am told your vet clinic is on our direct pay list. DO NOT BELIEVE THEM, check with you vet first, that was my mistake. My vet has never received a direct payment from them. When I contact Trupanion I get a new version of the story, yes your vet in on our list, but that does not mean he accepts payment or uses the option. A point they seem to leave out when you are getting the " how great we are " from the person selling you coverage. Even though it was the specific reason I was inquiring, which was stressed several time. Had coverage with another company and switched for this reason only. The coverage looks good so three stars, feeling like I have been taken advantage by a less than forth coming sale tactic cost them 2 stars. We will see how future dealings go.

out of 5

POSTED: | BY: Michelle O'Brodovich

30% rate hikes

I was a huge fan of Trupanion for years, but am so disappointed with their decision to increase rates 30%+ across the boards, with PR-finessed talking points about "inflation" and "costs in my area". Yes, inflation is real and something Trupanion, like other companies, must account for - but 30%+ increase in renewal is a cynical cash grab that is totally off-brand. If you Google "Trupanion rate hikes" you'll come across the real reason: recent decision in California courts to approve massive increases.

out of 5

POSTED: | BY: Bella

They raise your premium every year

They raise your premium every year - even twice in a year. They claim it’s due to cost of care in your area but that’s a lie. Compared with other pet insurances and claims never changed. They say they don’t raise premium based on age or claims but they do! I’ve had multiple increases. Shop around. Trupanion isn’t everything they claim to be. UPDATE: In response to your reply, if that is the case, my best friend has Trupanion, we live in the same neighbourhood, go to the same vet, and her premiums haven’t gone up! Explain this.

Monthly Cost

Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.


One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice. To view a full list of inclusions and exclusions, check out our sample policy here.

Payout Limits

Unlimited lifetime payouts on eligible conditions with no payout limits-ever.


You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget. Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.

Age Limits

All pets under 14 years old can enroll. Once enrolled, pets stay insured regardless of age.

Waiting Period

Accidents: 5 days Illnesses: 30 days Other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.


Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like: Examination fees Wellness and preventive care Elective, or cosmetic procedures Sales tax, where applicable Like all pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early! *Terms and conditions apply. Please view your sample policy for complete coverage details.  
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association. Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion: 24/7/365 Member Support—yes, even on holidays 20+ years of experience $2 Billion paid in claims Over 800,000 pets protected Unlimited Payouts The only provider that can pay your veterinarian directly at checkout* Accepted everywhere in the USA, Canada, Puerto Rico, and Australia * At participating hospitals Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company  

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