Trupanion Canada | Pet Insurance Review


out of 5

Number of reviews 27,468

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.7
  • 4.9
  • 4.8
  • Count
  • 6
  • 1822
  • 27,468
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: trudy walsh

Helpful and kind

Every time I need help trupanion never hesitates to help and they are always so kind. They are very prompt!

out of 5

POSTED: | BY: S MacMillan

30% hike in premiums this year!

Not a happy camper. Multiple claims denied, and then they hiked my premiums by 30% this year!! So disappointing -- my experience with my old dog was great, but not with my new dog. I can no longer recommend Trupanion to my family and friends as I used to.

out of 5

POSTED: | BY: Christine

I have been with Trupanion for 12 years…

I have been with Trupanion for 12 years and i can say that they have always been good with covering for most of the issues my Dog has had but i lost my dog last week and i just got back my claims processed and found out that they do not cover cremation. I want to alert everyone to read your small prints carefully because most of us don't want to think of the time when we will need to do the inevitable but you will not be covered for any cremation. I called to ask about it and i was told that Trupanion only covers any costs for the pet if they are alive. Sadly this is not the experience i wanted to end with cause i did recommend this company to a few of my friends but going forward that will not be the case. I am writing this review for all pet lovers to take the time and read the small prints and ask questions before you sign up because premiums go up quite a bit over the years.

out of 5


NONSENSE!!!! Never Again

NONSENSE!!!!! Paid these thieves for 4 years!!!! They are good to take the money but when it comes to dishing out the money they will find anything and everything to not pay!!! RUN!!!!! You are better off putting your money in a bank account where it’s there and not lost. You need the money it’s there!!!! Totally encourage anyone who is thinking of getting an insurance to think twice!!!! The money I spent with the people the last 4 years would have been the money I needed now. Instead now I need to pay out of my pocket plus lost all the money I have these thieves - congratulations Trupanion you were everything I was told and more!

out of 5

POSTED: | BY: Debora Egerton

The customer service people are so…

The customer service people are so helpful and incredibly knowledgeable about their products they are selling. My vet could not stop recommending this company, I have my daughter thinking of joining with her puppy too!

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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