Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,882

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 AmericanPetInsurance.com to review all available pet health insurance products.
1

out of 5

POSTED: | BY: Lisa

My vet recommended that my dog had…

My vet recommended that my dog had periodontal disease and required his tooth pulled. This was noted in August 2024. We did not get him in to the vet until January 2025. Trupanion denied the claim as they said the procedures wasn't done within 3 months of the of the diagnosis. This is an expensive procedure and as such we were unable to afford the cleaning/procedure at that time. Dealing with Trupanion in the past I am always nervous that they will cover anything so can't rely on insurance. Overall I think Trupanion is the biggest rip off they start at a reasonable rate and then hike up the fees while never actually covering expenses.
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1

out of 5

POSTED: | BY: Shannon Thackeray-miller

They deny claims that have already been…

They deny claims that have already been approved the week prior. You have to call on the phone and hound them to find out why, although we have 90% coverage. Then the ones we are approved for Trupanion put the money in someone else's account, so now we have to wait for them to fix their mistake. Call back the money get it sorted out on their end, then we get our money. My advice is don't purchase this Pet Insurance as with any insurance company you pay up front then wait and wait and wait for them to pay you out. Should have just saved our money and paid for pet issues out right. So ZERO peace of mind when your beloved pet is ill. Finally received payment after having to get nasty with them. Typical Insurance company always looking for the loophole....save your money forget the insurance companies they always benefit.
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5

out of 5

POSTED: | BY: Cat Dad

Excellent Customer Service

Excellent Customer Service. Great pricing for services covered.
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1

out of 5

POSTED: | BY: Nikki

Save your money

Happily paid for 9.75 years never needing to make a claim but wanted to ensure in an emergency I did not have to worry. I paid $73-$105 a month over his life, it increases yearly even if you don't make a claim! Then when it came down to an end of life emergency, they paid out $89 (my deductible was only $200). Roughly $10,000 paid over his life time and they paid me $89. Let me preface by saying that when I signed up they told me the cost of burial/cremation is covered which is why I went with them... ITS NOT! Put your money into savings, don't waste it on them, they wont even considering helping when you have to make the worst decision of your life.
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5

out of 5

POSTED: | BY: suzanne duperly

Introduction

I really appreciated Lee’s professionalism, condor and lack of trying to push the insurance. She made me feel comfortable and aware of risk versus reward and, having a 12 week old fur baby, I opted in. My neighbours are also with Trupanion and their glowing reviews were also part of my opting in. Hoping we don’t have to use it but it is a comfort to know we are covered if needed.
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Monthly Cost

Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.

Coverage

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.

Deductible

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.

Exclusions

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 Canada Pet Insurance detail
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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