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: Liz Gaal-Waudby

Saved our boy and our bank account

We saved over 7 thousand dollars by paying a small monthly fee to Trupanion and most importantly we were able to save our boy Gus. We would never go without Trupanion again and we recommend it to everyone that loves their fur baby!

out of 5

POSTED: | BY: Linda

Within the first year, our puppy required over $4000.00 in unexpected vet care.

We are so happy that we signed up for Trupanion coverage when our pup was young as within one year our healthy puppy required over $4000.00 in veterinary care. We are so grateful to Trupanion who has covered 2/3rds of our vet bills and everything they did not cover had been clearly explained prior to signing up. We are grateful to Trupanion and their caring staff, everyone we spoke with was compassionate, professional and helpful with all of our inquiries.

out of 5

POSTED: | BY: Kelly Quenneville

Super quick approval

Super quick approval, money reimbursed within days. We have had nothing but positive interactions since we signed up two and a half years ago. Well worth it for our peace of mind, and appreciate the great customer service.

out of 5

POSTED: | BY: Kimia


I’ve been with Trupanion for almost 13 years now. And I am beyond thankful for them!!! I have recommended them to all my family, friends and clients. Without Trupanion, I would not be able to give my pets the gold star treatment of care that they deserve; every pet deserves! They’re so helpful. Submitting a claim and getting reimburse is so easy too!!!! Not everyone has thousands and thousands of dollars available ‘in an emergency (pets). THIS gives you a peace of mind. 🐶 🐱 ♥️

out of 5


Very disappointed

Very disappointed. I'm in my first year. I took out the insurance when my pet was a baby and I trusted the advertising that they wouldn't make absurd increases. But I've just received an email informing me that my monthly fee is going up from 55$ to 90$. This is complete nonsense, a lack of sense. It's almost double the amount for a pet that's a year and a bit old. Imagine when it's 8, 9 years old. Prepare your pockets, friends. When I called customer service, they told me that they had studied my pet's breed and had to change the price. If they hadn't done this before, do I have to pay? I don't even know if an increase of this level is legally possible, but I'm going to do some research to make sure they're not infringing on my rights as a consumer.

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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