Trupanion Canada | Pet Insurance Review


out of 5

Number of reviews 25,853

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Updated: November 13, 2023

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: ann marie s

Don't plan on this to come to your rescue.

My pet became ill and required critical care and hospitalization. I had a $500 deductible with my 90% coverage. Only one emergency hospital in the greater Toronto area was willing to accept coverage from the insurance company and as a result my pet did not make it. I was perplexed as to why that was..until I saw how much I was being reimbursed for. So of a hospital bill of around $1400...I ended up paying almost $1000 and for a vet bill of $1200...I ended up paying almost $900. So it's clear that this So called 90 % coverage with no caps is not true even with a $500 deductible. For all those pet owners who think that this coverage will cover an icu visit, think again. And they sent my limited reimbursement via cheque when its 2023 and my policy payments come out direct deposit. Never ever again! UPDATE: I spoke to someone to get assistance on the charges. I asked for a summary of all billings since they are disputing my statements. I'm being told they can't produce a summary??? REALLY..never again. I will remain one of your biggest detractors...that's the least I can do for my deceased pet.

out of 5

POSTED: | BY: Peter Louvros

Absolutely Amazing Company

Trupanion? I'm speechless. They are amazing. We have two dogs and and our insurance we have for them is worth every penny. I would NEVER use any other pet insurance company. Trupanion, you're amazing.

out of 5

POSTED: | BY: Debby Newpol

Failed miserably

After one year and one small claim, my premiums have gone up by an unreasonably ridiculous amount of 40% when I was led to believe that moderate increases could be expected. Nothing moderate about this! I am livid and feel deceived.

out of 5

POSTED: | BY: Melissa Leger

100% worth it!

If it wasn't for Trupanion we would not have our Daisy. After many surgeries and expenses with our previous fur baby, we were terrified of getting another. Trupanion gave us the peace of mind and security to let love into our home and hearts again. Thank you Trupanion. Our hearts and home are whole again. For anyone that's hesitant, I promise you will not regret it!

out of 5

POSTED: | BY: Mia Jane


There rates increase at a rate of about 3 times normal inflation and they cover NOTHING. There will always be a reason why things are not covered. Nasty people to deal with. STAY AWAY your better off saving your money in case its needed. WORST COMPANY EVER

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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