Trupanion Canada Pet Insurance Review

#1 in Pet Insurance in Canada

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.


Latest Reviews

Start your review for Trupanion Canada Pet Insurance
Catherine Sarginson
Trupanion Canada Pet Insurance review
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 staff has been excellent. I am sure it is my fault for not checking the fine print however I guess I assumed that when they said they paid for extracts I assumed it meant they would pay for everything related to that.

Trupanion Canada Pet Insurance review
I had a lot of claims with Trupanion over the lifetime of my Bulldog. For the most part I was very satisfied with the service, I was not however subscribing to the 20-30% annual increase in premiums they tacked on each year with the blanket response that the industry was making such headways in medicine, cost of care etc. They were quick to pay out though it was just the annual increases that were really high.

Nathan Golden
Toronto, Ontario
Trupanion Canada Pet Insurance review
I had heard many good things about Trupanion. When we got our dog, we registered him with Trupanion, thinking we could give him the best care possible should anything ever happen. When something DID happen, Trupanion came up with every...single...possible excuse in the book NOT to cover MOST of our expenses. On over $2,000, we're lucky if we got $170 back. NOT COOL! They basically cover nothing...contrary to what their website says.

Teresa B.
Calgary, Alberta
Trupanion Canada Pet Insurance review
My dog Lena has an ongoing condition (discospondylitis) which requires medications and specialist imaging to monitor her progress and Trupanion has been excellent in their direct payment for the costs of treatment covering 90% of the expense. I highly recommend this pet health insurance company.

Izabela H.
Trupanion Canada Pet Insurance review
Great experience! the most empathetic people on the phone. Claim honoured in less than a week by direct billing. The best decision of my like to insure both of our dogs with Trupanion!