Trupanion Canada | Pet Insurance Review


out of 10

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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: Deborah Cummings

Abolutely first class operation, and a god send!!!

We had never had pet insurance before with our previous English Bulldogs, but after one very expensive experience we decided that with the next puppy we would get pet insurance. So we researched several companies and decided on Trupanion. According to their website it appeared they were by far the best: you pick your deductible, they pay 90%, no limits, and unlike other companies they do pay for medical issues that are predisposed to certain breeds. We picked up our baby bulldog on 12/11/10. We had a 30 day waiting period, and then we were covered. Our puppy was coughing a lot and very lethargic starting on 2/14/11. He was put on antibiotics and it appeared he was feeling better until the medication stopped. He was eventually diagnosed with pneumonia after lab work, and xrays. He was put on different antibiotics after a trans tracheal washing to find out what antibiotics would be the most beneficial. Even with several rounds of antibiotics the pneumonia kept coming back. Our vet referred us to a specialist at Tufts and after 5 months of being sick our puppy just had soft palate surgery. It appears he may have been aspirating due to his long soft palate (which is common in this breed). Trupanion to date has paid us over $4500.00. I get emails when they receive the claim, the status, and when its been processed. Payment is prompt. I never have to think about calling to find out where payment is. If I have questions they are pleasant and helpful. I have told every

out of 10

POSTED: | BY: Phil

Prompt accurate and efficent

Well in excess of 30 cheques issued and delivered over the last two and a half months and all in record time. Only had one claim put under review and the total claims were well over $13,000 again over the last two and a half months. Never once were we or the Vets questioned which provided great relief and ease of moving forward with treatments.

out of 10

POSTED: | BY: Nandita Chandra

Best Dog Insurance ever!

Our dog was diagnosed with Pulmonary hypertension, PDA, Tricuspid Valve Dysplasia and other complications secondary to these over 6 weeks ago. His tests and medication alone have been about $20,000. Trupanian has been a lifesaving angel and have covered over $17500 of this amount.Before we got our first claim cheque, we thought that dog insurance was a joke and the company would cover barely anything. We were wrong! While Trupanian does not cover consultations, they have covered 90% of the cost of procedures and medication. We HIGHLY RECOMMEND Trupanian to all dog lovers and owners and are very grateful for their servces.

out of 10

POSTED: | BY: Ren L.

Thank God we had Trupanion

We spent thousands on our Pomahuahua over her 13 year lifespan, and when she passed in 2009, we decided that, were we to get another dog, we would buy insurance. Our vet suggested Trupanion. I went online, read about it and signed up. Smart! Smart! Smart!Within the confines of our $250 deductible, Trupanion has saved us thousands, as our new, 16-month-old Pomahuahua (aka Pomchi) is truly an adventure dog and has been bee-stung (anaphylactic shock), eaten rat poison and this week, was bitten in the face by a rattlesnake. I cannot say enough good about Trupanion.

out of 10

POSTED: | BY: Lindsay Goodyear

Straight from the Veterinary Assistant's Mouth

Working for a veterinary clinic I am all too aware of how expensive veterinary care can become and how quickly it all adds up. When my dog contracted a strain of leptospirosis not covered by the vaccine a year and a half ago and ended up in renal failure with permanent kidney damage do I ever wish I had known about Trupanion. Once learning about them I did sign up right away. Although they do not cover my pups pre-existing kidney condition they have since covered close to a thousand dollars in diagnostics for a new problem. Also going above and beyond when I challenged a rejected submittal they provided a 3rd party review and paid out for the claim. I have only had the insurance for about 5 months and have not seen any increase in my premium.I will never be without pet insurance again, I have learned my lesson and will stay a Trupanion customer for all my future pets.

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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