Trupanion Canada | Pet Insurance Review


out of 10

23055 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 9.6
  • 9.6
  • 9.4
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  • 428
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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: Cynthia Albers

Put your money in the bank

Our dog had luxation surgery on her rear legs prior to us signing on with Trupanion. We've paid a couple thousand into Trupanion and when our dogs rear right ACL partially tore last year Trupanion covered part of the cost. We were told that when one ACL goes there's a 90% chance of the other going - which it did but, it caused a level four luxation to occur as well. We did not think that our dogs full surgery would be covered but, did expect some coverage as the ACL was not preexisting. We went to a certified orthopedic surgeon who confirmed that the ACL is a separate issue. Trupanion was not willing to meet us half way and denied our claim. By the time we tally up our bills we will have paid out over $4000.00. If we put the money spent on insurance into a saving account we would have had more than half her surgery paid for.

out of 10

POSTED: | BY: Lynn

So far so good!

I have Trupanion as my pet insurance and I haven't had to use it yet. The vet recommended I check out to compare side by side with other insurance companies. Trupanion was the best fit for me and I hope that I will never need them. If I do, at least I don't have to let my wallet decide.

out of 10

POSTED: | BY: Thomas G

Total Scam

Got my insurance through a signup from the breeder. It was supposed to have no waiting period. Dog had diarrhea when he came home, like almost all puppies have when they're adjusting to a new home. In an unexpected turn of events he tested postiive for parvo. They used the 'existing diarrhea' to reject coverage for his parvo treatment as a pre-existing condition. It took them almost 3 weeks to reject my initial claim after my first call with them told me it sounded like a normal basic case. They also tried to say that I didn't sign-up correctly to avoid paying out before I appealed. It took them another 3 days to decline my appeal without speaking to anyone. One positive note - All of the representatives I spoke to, save the tool who tried to tell me I didn't sign up right, were extremely pleasant and helpful. Trupanion is a complete scam and I wouldn't recommend it to my worst enemy.

out of 10


Wont cover any vet bills

I will never recommend this company to anyone! I called multiple times before I started a policy, what they told me seemed to good to be true. I asked multiple times, whats the catch. Sure enough after paying $50 a month for over a year, I finally had to use them. What a joke. $1200 vet bill that was broken up in 2 vet visits (so I could actually afford to pay it) and Trupanion says it is not the same problem! I called to verify it was indeed the same incident. They then said I need to have my vet email them a letter with all the info. So now I am begging my poor vet to take time out of his practice to email a ridiculous letter because one word was omitted from the issue description. On top of this they have changed my policy 3 times without telling me, resulting in being charged $10 more monthly for the last 7 months. So now I have to fight to not only get my vet bill paid, but reimbursed for the monthly fraud! Please take warning! This company is a scam. I know we all want to do whats best for our loved ones, but this will only stress and hurt you in the end!

out of 10

POSTED: | BY: Terri


My cat had expensive tooth surgery done and I did my research. Was told by Sarah prior to surgery "Yes would be covered" Waited 10 days for any answers and was told by Adrianna supervisor that she would reach out to Brianne adjuster to see if she would pay as goodwill? I was shocked as I had not been notified that they were not going to pay. Apparently Brianne spent five minutes making decision! Madison Serwold Senior Partner could not explain anything about coverage and kept trying to look up information. I asked her why she was not familiar with policies she set and she would not answer! Instead of informing me about denial of claim they informed my vet. Terrible way to do business and I find this too be a waste of money. No more insurance as this was my first try and the worst experience. Rather save money for this type of problem. And no they do not direct bill as my vet tried and was told no everything must be emailed??

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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