Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

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 AmericanPetInsurance.com to review all available pet health insurance products.
5

out of 5

POSTED: | BY: Susan Dineen

Straightforward and Clear

My experience in purchasing pet insurance was straightforward. The website clearly said what was covered and what was not covered. I appreciated this feature. I used the calculator to determine the deductible that made sense for me. Everything went very smoothly. I am glad that I have this insurance for a time in the future when I really need the help.
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5

out of 5

POSTED: | BY: Brenda Brown-Hall

Great company

I recently had to have my dog Kona put down last fall. He was a golden retriever and only 6 1/2 years old. Trupanion has been amazing, so helpful with my claims. I would recommend them.
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5

out of 5

POSTED: | BY: Susan Wendt

Customer service excellence..

Customer service excellence... Made it as easy as pie, completely transparent. Clear directions and explanations - 24/7/365 service.
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5

out of 5

POSTED: | BY: Deborah F.

Fantastic Experience

Fantastic Experience! Myriah was amazing! We never felt rushed when on the phone with her. She was patient and very informative with all our questions. Felt confident we were making the right decision. Thank you!
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3

out of 5

POSTED: | BY: Christine Peric

Enrolment went well but plan was canceled in error

Update April 2025: Trupanion has looked into this matter and resolved it. They confirmed that there was no confirmation to cancel the plan after listening to the recording of our call. I am very pleased that they attended to this matter so quickly and corrected the error. The enrolment process went well and the person was very knowledgeable and friendly. The issue I had was that I had been a Trupanion member since my dog was just a few weeks old. I called to cancel my insurance due to an appeal dispute and the Trupanion employee suggested some helpful things to do in order to have a stronger appeal. I then told her to wait to cancel my insurance while I spoke to my vet, but I received noticed that it was canceled anyway. By the time I contacted Trupanion to get my pet back on the plan, they said too much time had elapsed (just over a month) so they would have to enrol her at a four year old dog rate (much higher), despite the fact I'd already been a Trupanion customer for four years with the same pet. It's disappointing that this was not recognized at re-enrolment.
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Monthly Cost

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

Coverage

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.

Deductible

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.

Exclusions

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 Canada Pet Insurance detail
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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