Trupanion Canada Pet Insurance Review

Rating: 9.2 / 10 (Excellent)
25 Customer Reviews - see all reviews
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How is Trupanion Canada rated?
Benefit Limits
Reimbursement Models
Customer Service

Although Trupanion offers pet insurance coverage for all North America, the company was originally founded in Vancouver and continues to be one of the largest providers in its home country of Canada. Trupanion provides coverage for both cats and dogs in one simple, easy to understand plan that pays 90% of actual costs with no payout limit. This includes medication, surgeries, hospitalization, diagnostic tests, and other treatments. You can enroll your pet as young as 8 weeks, and up to 14 years old. Trupanion's policies include a wide range of coverage options making the company an excellent choice for pet insurance.

Plan details

Type of contract

Premium charged month to month

Enrollment age

8 weeks-14 years

Waiting period

5 days for injuries. 
30 days for illnesses.

Injuries that occur within the first 5 days on enrollment, and illnesses that develop within the first 30 are not covered.

Out of country coverage

USA, Puerto Rico

Claims and policy price

No increase in premiums due to claims made

Age limit

14 years old

Annual deductible

Customizable. $0 to $1,000 for each pet. 

Claim limit

No claim limits


Cancellation policy

Policies can be cancelled by sending notification in writing via mail, fax or email. Policies cancelled within the first 30 days without any claim submissions will receive 100% of their money back.

How much is it going to cost you?

A variety of factors can influence your monthly premium cost:

  • Average of treating illnesses and injuries for similar pets in your area
  • Pet’s breed, age, gender
  • Geographical location
  • Deductible (higher deductible – lower premium and vice versa)
  • Optional coverage (if any)


What you pay

  1. Veterinary examination fees
  2. Deductible
  3. 10% co-insurance
  4. Federal/ State/ Provincial/ Local taxes
  5. Costs not covered by the policy


What does it cover?

Accident and illness coverage

Prescriptions and medications

Optional benefits

Recovery and complimentary care coverage

  • Rehabilitative therapy
  • Acupuncture
  • Hydrotherapy
  • Chiropractic
  • Behavioral modification therapy
  • Homeopathy
  • Naturopathy

Pet owner assistance package

  • Liability coverage for third party property damage
  • Advertising and reward
  • Boarding fees if you become hospitalized
  • Vacation cancellation costs
  • Cremation and burial fees

Breeding rider

  • Injuries related to breeding, whelping and queening

Dental coverage

Therapeutic diets, herbal therapy and supplements


What’s not covered?

  • Pre-existing conditions
  • Preventive care treatments (vaccinations, flea control, de-worming)
  • Exam fees
  • Sales tax



A no benefit limit makes Trupanion an excellent choice for financially protecting pet owners against any sudden illness or accident. But just like many of the top pet insurance services, it does not cover pre-existing conditions. The company's 90% no-limit coverage is just about the best deal you are going to find. There seems little going against Trupanion in terms of the overall quality of the services they provide. If you are looking for pet insurance in Canada, Trupanion is a must-look-at option.


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Latest Reviews

Based on customer reviews
25 Reviews
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Lewes, Delaware
Trupanion seemed great at the start but I was confused by how much my annual rates went up each year! I had 2 cats on their plan for just over 2 years and my monthly payments went from $80 for both cats to $160 per month for both!! Their previous rate increases were never that bad so I let it slide, but after this last increase, no way! We are all better off putting $100/month away in a JAR for every year of our pets life and you'll be much better off then flushing your hard earned $$ down these guys' toilets. My favorite part is how they justify the rate increases by saying they are bringing us TOP MEDICAL treatments and new technologies, really?? where?? And how in the hell does that... Read More

Saint John, New Brunswick
AVOID AT ALL COST!! They twist veterinarians words so that they don't have to pay anything out - I've seen it happen both to my dog and many of my clients over the past 5 years working in the veterinary field!

Julie F
Victoria, British Columbia
I've had my yellow lab insured with Trupanion since she was a puppy. Back then the company was called Vetinsurance. They've always been good at processing our claims and thankfully it's only been small issues these past 8 years. However I paid ~$32 a month in the beginning and this has steadily risen to $127 a month. I'd likely be better off putting that money aside each month just in case, but that's a risk I'm hesitant to take.

Amazing customer service. My girl was diagnosed with steroid Responsive Meningitis. Between diagnosis and treatment the vet bills were well over $10 000. It took the stress off me when I paid a fraction of that. She was able to get the best healthcare thanks to Trupanion. I have dealt with them many times before and after. Every experience is a positive one. There staff is so friendly and helpful. I HIGHLY recommend them.

Lethbridge, Alberta
We have been enrolled with Trupanion for only three months. If I were writing this review a month ago, I would have given them a great review. Our puppy had a bladder infection so I filed a claim, it was APPROVED and I was happy with our decision to purchase pet insurance. We had not reached our deductible amount, so I knew that we would not get any money back, but the quick turnaround of our claim was impressive. When there was still evidence of infection after the first round of antibiotics, our vet placed our puppy on a second round of antibiotics. I submitted the claim, knowing that this one brought us to closer to our deductible. I still was not expecting any money back, but knew if... Read More

Meghan K
Haliburton, Ontario
We decided to get our dog insured after struggling to afford medications and tests for our cat. I'd had another cat previously that I also struggled to afford veterinary care for, so at the suggestion of my boyfriend, we decided to go the insurance route. We got our dog signed up through their trial of insurance that we got at our veterinarian. Shortly after she broke a tooth, which they covered. A few months later she ate a naproxen tablet, which is toxic! I think the cat was trying to kill her because those pills were safely on the table when we left the house! Well they covered that vet stay too. Then she started vomiting and was later diagnosed with IBD. Not only have they covered that... Read More

Erica F
Guelph, Ontario
Great company. Coverage immediately, at 90% for unlimited amounts and they can pay my vet directly? Amazing!

I signed up for Trupanion on 10/3/16 because it was recommended by my vet. I then found out about Healthy Paws 6 days later, got a quote that was 1/2 the price for equal insurance coverage so I signed up with them. I called Trupanion on 10/9/16 to cancel and was told the cancellation was processed. As far as I knew I was done. On 10/16 they sent an email that went to my spam folder. I didn't see it until 11/27/16 when I saw another charge on my credit card and did a search in my inbox. They are now refusing to refund me back to my original date of cancellation due to a loophole that I didn't respond to the original email that they sent 6 days after I cancelled to confirm the... Read More

Ruth J
Frankford, Ontario
Back in June of this year, our Golden was discovered to have Melanoma in his mouth. We discovered it very quickly as we brush his teeth every day and it literally was not there one day and there the next. We rushed him into our vet who removed as much as she could but the results came back that it was cancer. We took him to the VEC in Toronto where CTScans/ultrasounds/x-rays were all done to see if it had spread. As per all those tests it had not. Surgery was performed immediately and a small piece of his upper jaw bone was removed along with 2 or 3 teeth and some skin from his teeth. Repeated trips to the VEC were done for checkups and the new Melanoma vaccine. To date the bill for... Read More

Catherine S
I have a cat that has an auto immune skin issue that requires 30. a tube gel to be placed on the lesions. Not covered even though it is a chronic condition. I had a cat that had to have three extractions last week. My vet told me not to bother submitting a bill. I have a 500. deductible and the blood work was 300, and the dental was 965. Of that they will only pay for the actual extraction of one tooth. They do not pay for anesthesia, monitoring during surgery, blood work of any kind, pain killers or fluids. I have five cats insured with them. It costs me over 150. a month when I am on a fixed income. I am looking around for a better deal. I will say that the contact I have had with the... Read More

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