Trupanion Canada | Pet Insurance Review


out of 5

Number of reviews 25,264

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.8
  • 4.9
  • 4.8
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  • 310
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  • 25,264
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: Kim Myers-Stuart

So Grateful!

Everyone who has a dog would agree that they can be expensive. In our case, we adopted a rescue two years ago. Not knowing his background it made sense for us to get pet insurance. Our little guy has developed some pretty serious eye issues (surprise!) and Trupanion has helped us every step of the way. Veterinary care is expensive, and Trupanion has saved us thousands of dollars. They even cover medications! It brings us peace of mind to know that our pup’s health issues, whatever they may be, will be resolved to the best of our veterinarians capabilities. We take care of our dog’s health and Trupanion takes care of the money part. We are most grateful!

out of 5

POSTED: | BY: Zidong Liu

Adam’s review

In-time response with detailed explanation on the final decision. Thanks!

out of 5

POSTED: | BY: Mary Watts

Trupanion to the rescue.

It's been 3 yrs since my sweetie got sick and they have been there whenever I have needed them with a prompt and kind response. I would not have been able to care for her without them.

out of 5

POSTED: | BY: Kathy Buitenkant

Trupanion helped us save our fur-baby.

Trupanion helped us save our fur-baby.

out of 5

POSTED: | BY: Anita Laurie

Trupanion, a sigh of relief

Trupanion, in my mind is the only pet insurance to buy. Throughout the years some of the feedback we got from others who have decided trupanion too expensive and chosen other carriers have eventually found out the other carrier’s limitations and they have had to “ dip” into their pockets to bridge the gap more than they anticipated. As with the other insurances we buy, for example vehicle, house and travel it boils down to due diligence. “ You get what you pay for” Of course as with insurance one pays and never wishes to have to file a claim. Some roll the dice and are either under insured or not insured at all. We chose trupanion because prior to buying this insurance our previous two dogs were uninsured. Both dogs became ill and until their deaths we had spent over $60,000. On vet bills. It has been a comfort to know that while we pray we won’t be faced with the sad diagnosis our dogs had that were we to face a situation again that trupanion will have our back. Our currant dog had TPLO surgery and thanks to trupanion his vet bills were for the most part promptly and cheerfully paid .

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, diagnostic tests, medically-necessary hospital stays, and more. Once the deductible is met, Trupanion pays 90% of the remaining invoice, with unlimited payouts-always 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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