Trupanion Canada | Pet Insurance Review


out of 5

Number of reviews 25,853

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 4.8
  • 4.8
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Updated: November 13, 2023

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: Mary E Porter

After going through an emergency…Best Decision We Ever Made!!!

After going through an emergency situation with our previous boy and running up the credit cards to save his life, but also facing the financial situation when we should have been 100% handling our emotional situation and not having to think financial, we went with Trupanion with our next two, and so happy we did! Vets can direct bill and within mins of bill being submitted, I receive a text giving me the amount Trupanion is covering. I just had an emergency yesterday with my boy, never thought twice about costs and affordability, had all necessary tests done, Trupanion covered almost half, and we only had to cover less than $1000, including our deductible, and I could 100% focus on his wellbeing and getting him through his situation and healing. So grateful to Trupanion and their caring and fast service!

out of 5

POSTED: | BY: Erin

I was told when purchasing this…

I was told when purchasing this insurance that the rates don’t increase as the dogs age. Well my dogs premiums have gone from 2 dogs 60$ per month to well over 100$ per month in one year. One dog is 2 years old without one claim. The other dog is 6 years old with minor thyroid issues. The reason I bought insurance when my dogs were puppies was so the premiums would be low and I was told they would not increase as the dogs age. This was not true! Don’t purchase pet insurance with Trupanion!!!

out of 5

POSTED: | BY: Rod Burgess

A True Partner

Trupanion has been helping to look after my dog, Belle, since she was a puppy. She has had a wide variety of health issues but Trupanion is always there with financial and personal support. I don't what we would have done without it. Thank you.

out of 5

VETERINARIAN: Albany Veterinary Clinic

POSTED: | BY: Diana Power


When my dog Trigger, who is a year and a half did not eat his breakfast I got concerned but thought maybe he wasn't hungry yet. Then the vomiting started in the afternoon and he wouldn't drink water. I called my vet and they took him right in. They believed he had a foreign body and took x-rays where something was seen in the stomach but could not be made out. They gave us meds for him and had us bring him back in the morning. He had gotten much worse over night and they did a barium study to see if he had movement in his stomach and g.i tract. At noon the vet called and said the barium was not moving at all and emergency exploratory surgery was needed so I went in signed the papers and he went under. After the surgery we found out from the vet there was no foreign body, it was food rotting inside him because his stomach and digestive system went into Ileus (it was paralyzed). They don't know why or how but this meant he would have to stay at the vet for a week however, we would take him home at night. During the day he needed an I.V for fluids, stimach meds, and antibiotics. He would not take anything by mouth and was not using the washroom. I am happy to say, he is not fully recovered but he is back home after what was a traumatic nightmare of a week for not only our pup but us as well. It was made so much less stressful by not having to worry for a second, if we would be able to afford all of this. The bills were in the thousands and every single time Trupanion worked with our vet and all I had to do was pay my portion which was usually pennies in comparison. After my deductible was paid they did everything else. We could focus on our pup not worrying about finances, or if we could afford his treatment, for that I will forever be greatful. Everyday there was new bill but I only paid my deductible once, the same illness the deductible is paid once and that illness will never be charged a deductible again. If I had questions customer support was on call 24/7 and I never had to try fighting with an automated recording. Thank you so much for everyone at Albany and Trupanion. They made it so easy to focus our attention where it needed to be and not adding tons of paperwork and bills on top. No confusing jargon just super simple and I have all receipts and claims accessible in my account at any time.

out of 5

POSTED: | BY: M Robinson

Excellent service

They are the easiest company to deal with. And the fastest too. I was with another company with my previous dog and TruPanion are far superior. I wouldn’t go anywhere else.

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—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.


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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