Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

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 AmericanPetInsurance.com to review all available pet health insurance products.
1

out of 5

POSTED: | BY: Michele Haynes

NOT IMPRESSED

I was satisfied with Trupanion until my last experience. I had tried to access my app to submit an invoice and it wouldn’t work so I called. Young lady said she would look into it and in the meantime sent me a link. Submitted the claim got email couldn’t read date sent another picture of receipt showing date. Got another email saying needed all pictures. Called again young man sent me his direct link and finally got through, in the meantime he told me the app is no longer works. NOT IMPRESSED , I use that app it is fast and easy. Considering what I pay for my dogs insurance I feel we should have been offered the courtesy of being informed that this was being done. Bring back the app. By the way Patrick Utter was very polite and helpful.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Wayne Samms

They have become greedy and uncaring in…de

They have become greedy and uncaring in last few years, my name is Wayne Samms and I do not recommend Trupanion.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Erin Coltman

Submit photo

Advertising for 2026 photo contest but if you follow the link there is nowhere to do it, they just want you to ask your friends to join... 2026 has photo submission has closed???
Read more on Trustpilot
1

out of 5

POSTED: | BY: A Mook

Beware Trucompanion - Not worth it !!

Beware of this Pet Insurance Policy - Misrepresentation I have 4 pets on Trupanion. I have been paying significant monthly premiums as they claim 90% coverage. I am really sorry i wasted my money and had a false sense of security. If you cover medical expenses, then you need to cover Vet Exam Fees which is part of the expense for a new medical condition. I have made two claims over the past five years. The first was a Neurology Consultation that my regular vet requested. This was denied as they said they don’t pay Consultation fees. Hmm .. ok , but other plans do. Recently i took my dog to the urgent care for a urgent problem. I payed $450 and Trupanion reimbursed me $43. Even with the co-pay $200 and Co- Insurance, this is a really low reimbursement and not worth having insurance for ! They did not pay for the urgent care vet exam fees , which was approximately $100 . When i asked this to be reviewed, Trupanion emailed me to say they don’t cover vet exams ,as its part of routine vet care. Yup it is part of the medical care for this health problem, so it is sneaky that they don’t cover it ! I am cancelling my four policies immediately and found a suitable alternative that covers all parts of medical care.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Terri Baker

Great advice

My breeder provided one month of coverage from Trupanion, when I called to activate it, had a great conversation with the call centre person who shared some of her own experiences and learnings.
Read more on Trustpilot
Please leave a review

Monthly Cost

Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.

Coverage

One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice. 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.

Deductible

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.

Exclusions

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 Canada Pet Insurance detail
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  
Provider website

Get a quote today

Leave a review