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.
1

out of 5

POSTED: | BY: Jacky Allan

Save your money

We have found Trupanion is very expensive, and be careful of the claims pay 90%, it never ends up being that, it's always significantly less, and we have yet to have claims that have not been bungled on some level. Save your money, pay yourself the premium and use that for your pets care. I cannot recommend Trupanion after our multiple experiences with them over the past 3 years.
2

out of 5

POSTED: | BY: ANDERSON MCQUEEN

Terrible First Experience

Terrible First Experience with Trupanion Trupanion has an excellent sales and customer service team — they’re polite, friendly, and make signing up for their program very easy. Unfortunately, that’s where the good experience ends. After months of paying premiums, I recently had to make my first claim, and Trupanion refused to pay. My cat Sky is two years old and has only ever been seen at two veterinary clinics — The Glebe Animal Hospital (for her kitten vaccinations) and Juno Vet, her current clinic. A couple of weeks ago, I tried a dental cleaning powder for Sky. After about five days, she developed itchiness and hair loss around her neck and legs. I stopped using the product immediately and booked a vet appointment. Shortly after, I also discovered that Sky had broken a tooth, and the vet recommended bloodwork and surgery to remove two damaged canine teeth to prevent further mouth and gum issues. Juno Vet contacted Trupanion for pre-approval and submitted her medical records — but Trupanion denied the claim, calling it a pre-existing condition. This makes absolutely no sense. Sky broke a different tooth almost a year ago (in May 2024) and had a completely unrelated rash months ago (July 2025). These are not connected to the current issue in any way. I’m extremely disappointed — after paying regularly, my first claim was denied, leaving me with a $600 vet bill and zero coverage. Overall, this has been a terrible and frustrating experience. I will be cancelling Sky’s policy and cannot recommend Trupanion to other pet owners.
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1

out of 5

POSTED: | BY: TR

Not a trustworthy company

Gave them a one star rating a year ago because I couldn’t leave a zero. Same thing. Again, what a scam. Just received notice that rates are going up again! I now pay almost twice as much to insure my two dogs as I do my whole family. Started at $100/month per pet when I signed on, now it’s $170/month. In addition to that the last claim I made, for a previously established health condition, was unnecessarily delayed in processing. Despite being submitted by the vet directly, reimbursement was withheld until Trupanion could review the vet’s chart notes. Most assuredly to look for a way out of covering the claim. DO NOT WASTE YOUR MONEY!
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1

out of 5

POSTED: | BY: K

Dentistry Dishonesty

Denied a claim for dentistry with extractions (FORLs) due to a report of mild tartar prior to enrolment (8 years ago). Claim that dental tartar is diagnostic of periodontal disease, this is false. If Trupanion used the term dental disease to describe the limits of their coverage, 85% of all companion animals would not qualify for ANY dental treatment unless, at their enrolment exam, 1) they are paediatric patients with normal occlusion 2) vets don't describe any oral examination in their records (this is against our regulations) 3) the patient actually has NO tartar, plaque, gingivitis et al (this is exceedingly rare) They know this and by using periodontal disease, they claim they cover dentistry, but in fact don't. I'm a veterinarian and find this claim denial not based in the evidence for dental pathology, but a convenient way to avoid paying for expensive procedures. If all animals with mild tartar (you can brush this off with a toothbrush) are denied dentistry claims in their future, this is not a medically nor evidence based decision, but one that is financially motivated. I will no longer recommend this company to my clients, I will actively recommend against them, nor be a member myself.
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5

out of 5

POSTED: | BY: Kay Meitzen

Quick response time, reliable company, cares about my pet

I love the fact that trupanion cares about my pet , Trupanion helps relieve the financial burden of having a pet with a chronic condition
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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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