Trupanion Canada | Pet Insurance Review


out of 5

Number of reviews 25,870

  • 60 Days
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  • 4.6
  • 4.8
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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: Jane

Not worth it

I was with Trupanion for almost three years and the price isn't worth it at all. My monthly bill continues to increase without explanation. I've tried sending several claims in to cover some of the emerg visits I had with my dog and they keep finding reasons to either not pay or send barely anything back. It's not worth the cost. You're better off putting aside money than burning it with this company. On top of it all, you can only cancel your membership by calling in, and they left me on hold for over an hour. Save your money/time and go somewhere else

out of 5

POSTED: | BY: Dalton Duperron

Worst experience

Had insurance for a year, for our dog, then needed to make a claim when our dog needed entropion surgery. Truepanion decided not to cover this even though we had previous vet visits showing no issues with him. The surgery cost around $3300 out of our pocket and wasted a years worth of payments on them. We have been with other companies and had way less to zero issues. If they could take applications from when they are sent in and not whenever they get to them, apparently we wouldn't have had this issue. The way I see it, they don't care about your pet, just that you keep paying them.

out of 5

POSTED: | BY: Matthew Manor


Would not recommend you go with Turpanion - a True-Companion they are not. Complete waste of money. Falsely identified a "pre existing condition" with our dog and continued to deny our claims for allergies, even after our veterinarian appealed and explained how incorrect their assessment was and that there really was no pre existing condition for our dog.

out of 5

POSTED: | BY: Eduardo Gonzalez

Don't go with trupanion. they never pay

They always find a pretext to avoid paying. Better save the 200$ that they charge every month to have money when you need it, if you pay to this guys your money will be lost as they never pay.

out of 5

POSTED: | BY: Irene Smith

She is special

I have had previously issues with Trupanion with trying to make claims that I should pay new deductible for the same health issues my dog has had previously. She was treated for pancreatitis having been put on special diet, now it’s claimed by Lauren that it’s similar but not the same symptoms according to her I asked to speak to the person in charge she didn’t provide a name of her supervisor or contact information I find that they are being dishonest towards me to deny my previous deductions are exactly the same as the one this time only difference is my pet had relapsed I’m writing this to let pet owners be aware of the scam

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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