Trupanion Canada | Pet Insurance Review


out of 10

23495 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 9.6
  • 9.6
  • 9.4
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Trupanion insured pets lead longer, happier lives*. The Trupanion policy provides best-in-class medical insurance coverage for your pet that can be used at any veterinary hospital in the United States, Canada, and Puerto Rico – ensuring your pet is protected wherever you may be. Trupanion is the only provider than can pay your veterinarian directly at the time of checkout. This benefit helps you from having to fill out extensive claims paperwork or wait to be reimbursed. A Trupanion Pet insurance policy has unlimited payouts on claims. They do not increase rates for filing claims. While some providers may drop coverage when a certain number of claims are filed, Trupanion never will. The Trupanion policy does not increase rates just because your pet ages and their policy allows you to enroll your pet from birth for true lifelong coverage for your pet.   *‘Based 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. 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.  

out of 10

POSTED: | BY: Tobi


Trupanion has really delievered! Process was very easy any questions that I had was dealt with professionalism. They helped me step by step since this was the first time I've ever filed a claim. GREAT

out of 10

POSTED: | BY: Jason Cordeiro


I have been and continue to be extremely pleased with the prompt and thorough attention my claims have received

out of 10

POSTED: | BY: Rayna

So Far So GREAT!!!!

I was very hesitant about purchasing pet insurance. I started off by just putting money aside every month into a bank account. After a small incident that ended up costing hundreds of dollars I figured I needed to give insurance a chance. If something else major happened I would be crushed financially as the bank money I had set aside was already gone from one minor incident. I am SOOOOOOOO glad I went with my gut. Few weeks ago I had to rush my pup to the ER. It was such a relief when they brought out the estimate that she was insured. All I had to do was worry about my baby and not about the bills to make her better.

out of 10

POSTED: | BY: Jennifer Steinbach


Yes, I cancelled my policy!Trupanion went out of their way to determine my dogs issue was preexisting when it wasn't. Digging through old files and associating unrelated issues to the one I had treated. No where in her records did it say she had what she was treated for. Unfortunately, her vet didn't want to "get involved" with any type dispute, now looking for another vet.Basically I got mega screwed out of 4 grand. I will NEVER advise anyone to use Trupaion EVER!!!!!!. Until my last breath!!!!!Upon your review I doubt this will go any further, but word of mouth is a wonderful thing. You have a great day!!!!!

out of 10

POSTED: | BY: Sandra

Great Service No Hassle!

I had an emergency w/ Zeus. Thank God I have Trupanion! From the moment the Vet's office submitted the claim, the staff at Trupanion keep you posted on the status every step of the way. Within a week my claim was processed & mailed out to me. Not only was that a quick turn around but 90% of the bill was covered. The only thing that could beat that is 100% coverage! The customer service I have received on this & previous occasions has always been friendly, informative, & professional.

Monthly Cost

Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and zip code. Monthly premiums do not automatically increase just because your pet has a birthday or just because you file a claim.  


90% coverage for all new injuries and illnesses—once the deductible is met, Trupanion pays 90% of the remaining invoice.

Coverage for all hereditary and congenital conditions, as well as hip dysplasia without any additional waiting periods.

Alternative therapies, such as acupuncture, physical therapy, hydrotherapy, are available under the Recovery and

Complementary Care Rider.

Trupanion pays off the invoice, no “usual & customary” limits and has the ability to pay your veterinarian directly and in as little as 5 seconds. You simply pay your portion at check-out and Trupanion works with your veterinarian directly to take care of the rest. Needs* varies by state disclaimer.


Payout Limits

Unlimited lifetime coverage with no payout limits or caps.


Offers a flexible deductible from $0 – $1000, to fit any budget.

A lifetime, per condition deductible meaning that once the deductible is met for a condition is met you policy begins paying out at 90% for anything related to that condition for the rest of your pet’s life. *This is great for chronic conditions that can span the entirety of a pets life such as allergies or cancer.

Age Limits

Pet must be at least 8 weeks old and under 14 years old to enroll.

Once enrolled, pets stay insured regardless of age and coverage will not change.

Can enroll your pet from birth until their 14th birthday.


Waiting Period

Coverage begins 30 days after date listed on policy.



Pre-existing conditions are not covered.

Alternative therapies are available for an extra amount.

Terms and conditions apply, please see for full coverage details.  Trupanion is a registered trademark owned by Trupanion, Inc.  Underwritten in Canada by Omega General Insurance Company.


Trupanion’s biggest differentiator is that they can pay your veterinarian directly and in as little as 5 minutes. With the vet direct pay option, there is no waiting weeks for reimbursement. You simply pay your portion of the bill and Trupanion takes care of the rest, working directly with your veterinarian. Trupanion offers one simple plan that pays 90% of actual veterinary costs for eligible claims once your deductible for that condition is met and offers unlimited lifetime coverage with no payout limits or caps.  

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