Trupanion Canada | Pet Insurance Review


out of 10

23495 Verified Reviews

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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: Tracy k


Having trupanion was the best thing I ever did for my dog. I got it when she was 7 wks and it has helped so much. I didn't use it much at first because they don't cover spading and vaccines so I thought about dropping it . Thank god I didn't in the past 2 months my Pitbull has torn her tplo or ACL and needed x rays meds and surgery I did the math and trupanion has paid so much of her bills. For the surgery alone it was over 3 thousand dollars which they paid all of up front and I only had to pay 300 hundred that's been the biggest bill but she also ate sugar free gum , chicken bones, so many things she is my million dollar dog and she is only 10 months .. But I have referred all my friends here it's the best thing I could do for my dog . I am a little bit of a worrier so she does go to the vet a lot but with this insurance and care credit it's ok. I can't say enough about them. O and when u call the reps are so nice and really do care

out of 10

POSTED: | BY: Alicia

Very Pleased

I only have positive things to say about Trupanion. They have been wonderful when we needed them most for our two puppies. No matter when or who I have spoken to, they have always been truly caring and so helpful. Their customer support personnel are incredible. Thank you - they take the stress and worries out of a emergency situations involving our puppies.

out of 10


Trupanion Insurance

Good experience. No problems. Would definitely recommend.

out of 10

POSTED: | BY: Danielle


We have a 2 year old lab ( big baby)who experienced lameness in both hind legs but the right was worse than the left. He recieved treatment for this for approximately Jan to May. He had to wear two stfle braces on his hind legs which were covered by trupanion to our amazement and they paid directly. These were approximately $2000. We paid our deductible and they paid 90% prior tax. He had these on until May when it was determined he would need to have a TPLO. We have had prior insurance with another pet and we were quite concerned that we would have a huge run around and then not have the payout. Again to our amazement and this was not the case. Trupanion paid the vet directly 90% and we paid 10% as we had already reached our deductable. Toby is now approx. 14 weeks post surgery and doing very well on his leg. Truapnion has been a blessing for us to be able to have our guy have the treatment he neeeded without worrying about if we could get this done now. The cost of the surgery was $4200.00. Our guy is home and happy and so are we knowing that Trupainon was there for us when we needed it. Thanks again guys for the job well done. I do recommend Trupanion to fellow pet owners as the one.Danielle

out of 10

POSTED: | BY: Kenneth


They just increased my premium from $40 to over $130. My dog is One year and has had no major issues or claims. Is this Blue Cross?!?

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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