Trupanion Canada | Pet Insurance Review


out of 5

Number of reviews 25,265

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.8
  • 4.9
  • 4.8
  • Count
  • 281
  • 3010
  • 25,265
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: Brenlee Rempel

Trupanion is great.

Trupanion is great.

out of 5

POSTED: | BY: Nadiea P

Owners Beware

I got Trupanion now for 14 years and NEVER made a claim. I made my first claim now and I was told they cover 90%.(I'm paying over $100 a month and costs have gone up over 70% over the last 14 years with no claims) what they DONT TELL you is that they have a bunch of extra fees that before you know it you're only covered for less than 40% of your clam. To speak of their amazing customer service (not) I found out via an 'email' they're only covering my deductible (which I'm supposed to pay); you would think they would call and explain to a first-time claimant why 60% of our claim wasn't covered! AFTER being told for 14 years that he is covered on these costs. I am going to cancel the insurance at this point and take a chance, and love and care for my dog on my own. I DO NOT recommend this company to anyone...Trupanion lost a loyal 14-year customer that you took advantage of by taking fees and not providing customer service which I'm seeing is an ongoing issue in your posts.

out of 5

POSTED: | BY: Marc Savoie

Promo wasn’t great

Because when I went to the vet I asked the secretary about insurance. She gave me an pamphlet and said it s all in here I asked about the promotion she said all in the pamphlet. Took the pamphlet home look thrus it trying to decide. A month or so later decided to get it. So I called the vet to get more information about the promo. She wasn’t very on the ball about the promo she put me on hold came back to tell me the promo was expired because I had 24 hours de decide. Today I still don’t know what the promo was and maybe I would have decided earlier and she told me I don’t qualified so it wasn’t great

out of 5

POSTED: | BY: David Rebak

Thank you trupanion.

easy to file, fast to process and great service

out of 5

POSTED: | BY: Robert Tierney

Satisfied customer

Simple to sign up

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, diagnostic tests, medically-necessary hospital stays, and more. Once the deductible is met, Trupanion pays 90% of the remaining invoice, with unlimited payouts-always 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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