Trupanion Canada | Pet Insurance Review


out of 5

Number of reviews 27,469

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.7
  • 4.9
  • 4.8
  • Count
  • 6
  • 1789
  • 27,469
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: Miguel Sha

They never cover anything

They never cover anything $88 deductible $444 not covereded $98 covered Fu off

out of 5

POSTED: | BY: Mia Abelian

False advertising- they do not process claims for months

Their website boasts "fast claims". But it's been 4 months and I'm still waiting. I filed 2 claims in June, and it is now September with no resolution, other than emails saying "we're working on it". After MULTIPLE calls wasting my own time, no anwers. DO NOT FALL FOR THEM. They have nice agents, but awful service. They gave me excuses like "we're changing systems". That was 4 MONTHS AGO.

out of 5

POSTED: | BY: Dakota F.

TP’s mission statement is about feeding their stock holders!

Founded around 1999 - a few years later, I believe 2015, the founder decided to go public and make more $$. Until around 2020, their stock was worth less than $20 but then pandemic hit the world - people started working from home and many adopted some dogs and cats! The new and inexperience pet parents started googling and found out about TP with their glorious paid shills all over the Internet. As a result, TP’s stock fired up close to $150 - the highest ever! Mr. Darryl Rawlings was so excited - so did their shareholders. Pandemic ended - pet parents started getting rid of their beloved pets - pets insurance got cancelled and TP’s share price went down - fast! Now, TP does anything and everything to get back things up and make shareholders happy again - or else! Since last year or so, they have raised premiums for everyone and in some cases based on comments here, as high as 90% per year! But that’s not enough to make up for so many customers lost - so, they go above and beyond to deny claims! So, here are couple of more facts for pet parents. Rich people don’t need pet insurance - they carry cold cash and lots of it. Then, we have poor people - yours truly one of them! TP is counting on us to help them with our hard earned money but in some form of donation because they will certainly not covering anything! Use your own best judgment - save money and keep it ONLY for your pets or keep wasting it on TP! P.S. 3 x positive 5 stars BS will follow right after this post by TP! Mark my word!

out of 5

POSTED: | BY: Shannon Scollick


I've been a client with Trupanion for a year now, with my two young cats. I recently received an email from them detailing how fair their pricing is, and how committed to their fairness they are, and then told me my monthly fee is going up by 23% for one cat, and 19% for another. How is it that 23% (or 19%, for that matter) per month, on a healthy 1 year-old cat, with no previous claim history, is fair? I called them and asked how on earth an increase of that amount "fair", and they gave me a spiel on inflation in the industry. Now here's the kicker, I've been a veterinary technician for over 20 years at this point, and I have an idea about veterinary costs, so I also know that although everything in life is more expensive, 23% a month is not justifiable. I also have multiple colleagues who use Trupanion and did not receive anywhere near the same increase in their monthly fee. I currently work at a very busy veterinary hospital. People ask us for insurance recommendations all the time, which we're not allowed to make, but all I can do is share my experience of their "fair" treatment. Do yourself a favor and go with another company so you don't find yourself disappointed like I am.

out of 5

POSTED: | BY: Daniel Roy

It’s taking too long for my claims

It’s taking too long for my claims. It has been 6-weeks already and claims are still under review.

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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