Trupanion Canada | Pet Insurance Review


out of 5

Number of reviews 25,872

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 4.6
  • 4.8
  • Count
  • 6
  • 225
  • 25,872

Updated: May 29, 2024

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: Sheila Nixon

Great service

We adopted our German Shepard X from the SPCA almost 10 years ago and signed her up for insurance right away as we knew from experience how much it can cost when an accident occurs. Fortunately she was very healthy for years and now that she is a senior dog and experiencing health problems we have Trupanion. We receive acknowledgement of claims right away, payments are very prompt, and we get nice messages wishing her well. We know that they are probably automated but still really nice to get. Representatives we have spoken to on the telephone has very very nice. Just a pleasure to deal with.

out of 5

POSTED: | BY: Don Hogue

Trupanion made a costly surgery easier to deal wit

Our dog had knee dysplasia requiring surgery. Trupanion was easy to work with, despite having 3 different veterinarians affiliated with the claims. Was able to get reimbursed quickly in order to easily make payment when my credit card statement came due.

out of 5

POSTED: | BY: Nathalie

Great service

They treated the claim within the first 48 hours they receive it. So far, I always been pleased with their response. I recommend Trupanion to any pet owner who is looking for insurance.

out of 5

POSTED: | BY: Jessica

Meniscus tear repair

Jersey had TPLO surgery last September she was doing really good but once we got to full activity we noticed her start limping on and off again at first we thought it was just the muscle rebuilding process like how we get ache after a workout. After about a month I noticed she was managing to many things without using the leg and we noticed her muscle mass was not improving. So back we went to the surgeon for a recheck making sure that no screw were loose and that there was no infections. Everything with the previous surgery was good everything in place and healed well but now she has a tear in the meniscus. Now all is repaired and I can not say enough good things about Trupanion I recommend them to all my friends. I have never een hassled by any of the claims I have had to submit and it is great because the clinics I use can direct bill so I only pay my portion of the bill. It is great piece of mind knowing I don't have to base my decisions on her health based upon whether I can afford it or not. Thank you Trupanion!

out of 5

POSTED: | BY: Ruth Castellanos


Trupanion paid 90% of my vet bill. Not the vet exam or taxes but the 90% of the remainder of that. It is a very good feeling knowing that I can treat my pet without hesitation :)

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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