Trupanion Canada | Pet Insurance Review


out of 5

Number of reviews 26,967

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.9
  • 4.8
  • Count
  • 28
  • 2369
  • 26,967
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: Rick Pack

Trupanion Exceptional Prompt Claim Service

I have two Briards insured with Trupanion. What stands out for me is Trupanion's exceptional personalized service. I have always been contacted by my claim representative promptly on making the claim, a status follow up and even more importantly very prompt resolution of the claim! I have only had best experiences with Trupanion. Such personal service is rare today. It's all about the dogs not a negotiation for coverage!

out of 5

POSTED: | BY: Luke Miller

They do not reimburse

We have 16 month old dog who was just diagnosed with heartworm. Dogs under one year do not get tested for heartworm. Trupanion is claiming we didnt give our dog heartguard and we allowed this to happen. How are we to know if the dig was never tested prior to this? Therefore they are denying our claim. They have also denied us two other claims, one for Giardia and another for eating grapes. The grapes was supposedly a preexisting condition because she ingested gorilla glue a few months prior. Not 100% related. Three claims and three denials later we will switch back to our old carrier who never denied us. We left becasue nupanion was supposedly cheaper and covers 90%. They may be cheaper per month but not cheaper in the long run. Id rather pay a higher premium and have a lower reimbursement. TRUPANION IT TERRIBLE DO NOT USE THEM. Their customer service dept has not called me back either.

out of 5

POSTED: | BY: Kristen

They wont leave you in the dust!

As an RVT, I see lots of pets go untreated, due to cost (more so in these hard times). With all the better pet insurance companies coming out, we have really embraced the idea of pet insurance and have moved full throttle educating our clients. We recently meet the rep for Trupanion, Robert Segura. He came in to talk to the staff about his company. We decided to try it out, as well as there offer of the first month free for our clients. About a week later we had a client come in with a healthy 8 week old puppy. We gave her, Tiny is her name, her first set of vaccines as well as, strongly, encouraged them to start her pet insurance, they signed up the same day. Less then a week later Tiny came back to us sick with Parvo. Immediately we call Robert, being this is our first claim. Robert was very prompt in helping us get started. Come to find out the client did not sign up correctly, and did not have the first month coverage. Robert went above and beyond for us and Trupanion will cover Tiny even though the client did not sign up correctly. As an insurance company this is a great good faith gesture. Most companies look for any way to "get out" of paying anything. We are very pleased to have found Trupanion and highly recommend it to everyone.

out of 5

POSTED: | BY: Carol

I highly recommend Trupanion

Trupanion processes claims extremely quickly. I have been very happy with Trupanion and would recommend it to anyone considering pet insurance. I only wish they would consider covering medicine for pica (when pets eat non-food items, like rubber gloves and electrical cords) because the medications which curtail the behavior are relatively inexpensive compared to the cost of surgery. As a result of the pica, my cat has had two endoscopies and one abdominal surgery. Medications for "behavioral problems" aren't covered, but should be for pica when it can cost thousands of dollars for medical procedures and prevent injury to a pet.

out of 5

POSTED: | BY: jim

1st claim trupanion

I am delighted the way trupanion handled my claim it took about a week for confimation e mail they called a few days later I got the check over the weekend 90% coverage on Cupidos diagnostic I am so happy to have good insurance I lost my last boy to crf and hepatitis

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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