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: Sarah S

The increase in the cost of monthly…

The increase in the cost of monthly fees. I don’t feel like an increase that substantial is fair when I’ve never had a claim. Edit - I can’t seem to reply but I’ve already increased my deductible to make the monthly payment what it was. That doesn’t help me. I’ve already spoken to customer service.

out of 5

POSTED: | BY: camille cruz

I wish i could give 0 stars.. premium increase SCAM

I wish i could give 0 stars. This is a scam. We've been with trupanion for 5 years. Sure, they pay up (as do any other pet insurance companies) but they will also increase your premium yearly a ridiculous amount. In the last year both our dogs (insured with them) have had a 40% increase! And thats just in the last year.. Prior year it was 20% increase. I understand inflation and why premiums go up.. but 40% in one year? I've also spoken to other people not with trupanion and their premiums have gone up $5 lol which is a lot different from my $50 increase with just the one dog. And might I add their pet insurance ALSO pays up no problem. So why is Trupanion's calculation of inflation so much more than the others? We are switching insurances on one of our dogs but unfortunately, we are stuck with the other as he has had ACL issues which would mean a "pre-existing condition" if we were to switch insurance companies for him. We started out paying a reasonable $70/month with $250 deductible but over time we have kept increasing our deductible to try to keep our premiums lower. Now we're paying $170/month for $750 deductible. And that's just the one dog. The other dog we're now paying $150/month for $750 deductible as well. STAY AWAY FROM TRUPANION... Don't make the same mistake as us. Now we either suck it up and pay whatever BS premium they throw at us or have no insurance.. (which at this point is kind of starting to look ideal) And to respond to their response below.. I've already spoken to them prior to writing this review. they've basically spat out a generic response about inflation rates and when asked for actual numbers and calculations to justify a 40-50% increase they said they are not able to provide me with that. I'm still scratching my head over the fact that other pet insurances who are in the same industry as Trupanion are not implementing 50% increases in premiums but are able to provide the exact same service.

out of 5

POSTED: | BY: Bailey R.

TP demands more $$

Most, if not ALL vets (they are NOT doctors as they force people to believe and call them!) still use the same ancient tools, devices and knowledge they gathered years ago! Not sure how TP once a year, like a broken record, talks about better and more advanced care by vets and jacking up their rates! Most vets couldn’t care less and they only see 4 legs hairy pets as DOLLAR SIGN - and they love it. This year our premium went from $91.26 to $175.08 for a 5 year old dog insured with TP since we got him and ZERO claim! And this huge increase is also because of inflation affecting gas and groceries, according to TP’s email! P.S. Friendly suggestion for TP: When your employees post 5 stars reviews here, make sure they don’t grab some pictures off the Internet for their profiles! People are now smart enough to do a reverse image search!

out of 5

POSTED: | BY: John Smith

Bottoms Up!

I could write a 1000 pages long book why pet parents should avoid this company - but I won’t! Those looking for pet insurance must browse these reviews carefully, find the ones with less than 5 stars and use their own judgement to join or not! AND, see how when there is a 1 star review, automatically and automagically bunch of glorious 5 stars reviews pop up mostly by brand new account with 1 and 1 ONLY review! Back to my “title”, this is their reaction every time they find something, ANYTHING, to decline / reject someone’s claim! And, if your pet passes, then even better!

out of 5

POSTED: | BY: Laine Shaw

30% fee increase and decline by default, forcing your vet to appeal every submission

I’ve been with Trupanion for almost ten years. I started as one of their biggest advocates, recommending them to any pet owner I knew. Then they started declining anything I submitted. Their default was to decline, and every single claim the vets would have to jump through hoops to explain why something clearly not pre-existing wasn’t pre-existing (like vets don’t have better things to do). Today I got an email that they’re increasing my fees by 30%! 30%!!! This might make sense if they increased rates based on the age of the pet or the number of claims. But no, their site states clearly that they don’t do either. So a loyal client of almost ten years who’s always paid on time and has always recommended them to everyone, they increased fees by 30%. And they know there’s nothing I can do, I can’t change companies now because everything would be considered pre-existing with a new provider. I could literally hear the guy on the phone shrugging like he couldn’t care less. Trupanion was one of the first good ones. There are more options now. Look around.

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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