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: Martha Rudolf

I had spoken to Pascal Riopel on Feb

I had spoken to Pascal Riopel on Feb. 21st, 2025 and our conversation went very well. I explained what my vet had recommended for my 4-year old purebred Yorkshire Terrier which was accidental insurance. My dog Toby, had his physical in the morning appointment and was deemed perfectly healthy, and at a perfect weight. Pascal was very clear and he gave me three options which was easy for me to choose according to my budget. No complaints. I hope to have many years of great insurance coverage for my pet.
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1

out of 5

POSTED: | BY: mike_schoettlerhotmail.com

Get it early or not at all

Classic insurance company Will deny coverages for existing conditions but charge you like your getting covered for absolutely everything. I think my premiums just about doubled in 6 years with no claims. My personal experience would have cost me over 7000 dollars for the term of my policy to be rejected on my first and only claim to cover to euthanize my pet versus putting him through a 3rd back surgery which wouldn't have been covered by them either. Appearntly if the reasoning for being euthanized has anything to do with a prior condition they won't cover it......it's not about the couple dollars I didn't get reimbursed but more about the slimey reasoning that they use to justify this denial all while keeping their hands out for your ever increasing monthly payment. Do yourself a favor and put the equivalent In a savings account.
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2

out of 5

POSTED: | BY: Michael Schoettler

Save your money

Classic insurance company Deductible expensive enough to disinsentive you from using insurance unless major claims. Won't cover existing medical conditions but will charge you the same as some one covered for everything. My personal story is my daschound had a back surgery before policy, another one 3 years into the policy which I knew wasn't covered and paid out of pocket, sadly back went out again a couple years later. We decided it wouldn't be fair to put him through another at his age. The first claim I made in 6 years of having a policy was for euthanasia which should be covered.. ...but guess what nope not even that would be approved because of the reason having to do with a back injury. 6 years with only increasing premiums just to get denied for that. Never deal with them again
5

out of 5

POSTED: | BY: Kay Malinka

Kind + ready-to-help team!

I just signed up for TruPanion (on a friend's recommendation). They were easy to reach with questions, very kind, helpful in understanding the policy, and made signing up easy. Of course I hope I don't have to use this coverage any time soon, but I rest assured that they can pay my vet directly and make the financial part of any injury or illness smooth.
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5

out of 5

POSTED: | BY: Darrin Keith

Explained very well over the phone on…

Explained very well over the phone on what coverage is all about
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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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