Trupanion Canada | Pet Insurance Review


out of 5

Number of reviews 27,469

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.7
  • 4.9
  • 4.8
  • Count
  • 6
  • 1789
  • 27,469
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: Ronda Gouchie

Customer Service is Outstanding

Their coverage is extensive and customer service is outstanding.

out of 5

POSTED: | BY: Jack Palance

Direct Billing!!

Trupanion keeps bragging about one very important and super convenience for most pet parents - Direct Billing! Basically, Hero Vets install some software provided by Trupanion and it enables hero vets to directly charge Trupanion. So easy and great piece of mind for those of us who may not be able to afford paying total amount and wait for a few weeks to get portion of it from pet insurance. Trupanion has a long list, probably thousands of Hero Vets who support direct billing. EXCEPT, when you call them, most, based on my own personal experience, over 90% told me they would no longer accept direct billing and all clients must pay the entire amount out of their own pockets! I became curious - but very difficult to know the reason. Their names are listed on Trupanion web site - so, what’s the problem! Off the record, some explained that Trupanion always comes up with tons of excuses to deny the claims and many pet parents got stuck because they thought Trupanion would pay their bills! Too much trouble for Hero Vets and stress for customers, they decided to stop dealing with Trupanion. Bottom line, those of you who are thinking of joining Trupanion, confirm with your Hero Vets that they indeed accept direct billing. Please do not bother confirming them with Trupanion based on their own lists - their agents play so surprised every time - telling you, that is so strange and they’re going to contact whoever at upper level - which never happens and the list will remain unchanged! ** Hero Vets is a trademark by Trupanion! Trupanion loves Vets more than their own customers and heavily encourage Hero Vets to refer customers = a very generous referral fees will be paid to Hero Vets!

out of 5

POSTED: | BY: Nora Cahill

My monthly bill just went up 41.3%

My monthly bill just went up 41.3%. That is outrageous. Please be aware of this. My dog is 4 years old has had nothing more than a urinary tract infection. I can understand inflation and the need to increase but this much at one time is really difficult. I went from paying 82.00 to now 116.00 per month.

out of 5

POSTED: | BY: Cam Holmes

Trupanion is a complete and utter scam

Trupanion is a complete and utter scam. 3 years paying them over 3000 dollars for my 2 dogs. Never once have they ever covered anything. Deny deny deny. Once you call to complain and cancel ohhh wait we can lower your rate. Then next claims deny deny deny. Playing on the love and fear of Animal lovers to basically steal your hard earned money period.

out of 5

POSTED: | BY: Carlos Eduardo Oliveira

Huge price increase after 1 year

After 1 year, they are asking for a 63% price increase. Because my dog isn't a newborn and has allergies and otitis on his medical records, it's easy to charge more. Trupamion knows if I go to a new company, they won't cover these pre-existing conditions. Moreover, you can forget about be paid in 24 hours after a claim. My last one was sent a month ago and nothing yet.

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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