Trupanion Canada: An Overview of the Pet Insurance Provider

If you’re a pet owner in Canada, you know that veterinary costs can add up quickly. In case of an unexpected illness or injury, you want to make sure your furry friend receives the best possible care without worrying about the financial burden. That’s where pet insurance comes in, and Trupanion Canada is a provider that many pet owners turn to. In this article, we’ll take a closer look at Trupanion Canada and what it offers to pet owners.

What is Trupanion Canada?

Trupanion Canada is a pet insurance provider that has been operating in Canada since 2014. It is a subsidiary of Trupanion, Inc., which is based in the United States and has been providing pet insurance since 2000. Trupanion Canada aims to provide comprehensive coverage for pets, including dogs and cats, and help pet owners manage unexpected veterinary costs.

How does pet insurance work?

Pet insurance is similar to other types of insurance. You pay a monthly premium, and in exchange, you receive coverage for certain medical expenses related to your pet’s health. If your pet needs medical care, you pay the veterinary bill upfront, and then submit a claim to your insurance provider for reimbursement. The amount you’re reimbursed depends on the coverage plan you have and the deductible you’ve chosen.

Trupanion Canada’s coverage options

Trupanion Canada offers one comprehensive coverage plan that covers 90% of eligible veterinary costs. This plan includes coverage for:

  • Illnesses and injuries
  • Diagnostic tests
  • Surgeries
  • Medications
  • Hospital stays
  • Hereditary and congenital conditions
  • Prosthetics and mobility devices

Trupanion Canada also offers optional add-ons for coverage for alternative therapies, behavioral therapies, and hip dysplasia.

What’s not covered by Trupanion Canada?

Trupanion Canada’s coverage does not include the following:

  • Pre-existing conditions
  • Preventive care, such as vaccinations and routine check-ups
  • Cosmetic procedures
  • Breeding or pregnancy-related expenses
  • Grooming or boarding costs
  • Experimental treatments

It’s important to read the policy documents carefully and understand what is and isn’t covered before enrolling.

How to enroll in Trupanion Canada

You can enroll in Trupanion Canada’s coverage online or by phone. The enrollment process is straightforward, and you’ll need to provide some basic information about your pet, such as their age, breed, and medical history. Trupanion Canada does not require a veterinary exam to enroll.

Trupanion Canada’s pricing and deductibles

Trupanion Canada’s pricing varies depending on several factors, including your pet’s age, breed, and location. The deductible you choose also affects your premium. Trupanion Canada offers a range of deductible options, from $0 to $1,000. Choosing a higher deductible will lower your monthly premium but means you’ll pay more out-of-pocket if your pet needs medical care.

Trupanion Canada’s customer service and claims process

Trupanion Canada has a dedicated customer service team available to answer any questions you have about your coverage or claims. You can contact them by phone, email, or through the online chat feature on their website. They also offer a 24/7 helpline for veterinary assistance in case of an emergency.

Submitting a claim with Trupanion Canada is easy. You can do so online, through their mobile app, or by fax or mail. Once they receive your claim, they will process it within 24 hours and provide an estimate of the reimbursement amount. They also offer direct payment to veterinary clinics in certain cases, so you don’t have to pay upfront and then wait for reimbursement.

Pros and cons of Trupanion Canada

Like any pet insurance provider, Trupanion Canada has its pros and cons. Here are some to consider:


  • Comprehensive coverage for illnesses, injuries, and hereditary conditions
  • Optional add-ons for alternative and behavioral therapies
  • 90% reimbursement rate
  • No veterinary exam required to enroll
  • Easy claims process and quick reimbursement


  • Only one coverage plan available
  • Doesn’t cover preventive care or pre-existing conditions
  • No coverage for breeding or pregnancy-related expenses
  • Pricing can be expensive compared to other providers

How does Trupanion Canada compare to other pet insurance providers?

Trupanion Canada is just one of many pet insurance providers available in Canada. Some other popular providers include Petsecure, Pets Plus Us, and PC Pet Insurance. When comparing providers, it’s important to consider factors such as coverage options, pricing, and customer service.

Trupanion Canada stands out for its comprehensive coverage and easy claims process, but it may not be the best fit for every pet owner. Be sure to research and compare providers before making a decision.

Frequently Asked Questions about Trupanion Canada

  1. What is Trupanion Canada’s reimbursement rate?
  2. Does Trupanion Canada cover pre-existing conditions?
  3. Can I enroll multiple pets with Trupanion Canada?
  4. Does Trupanion Canada require a veterinary exam to enroll?
  5. How long does it take to process a claim with Trupanion Canada?


Trupanion Canada offers comprehensive coverage for pets, including illnesses, injuries, and hereditary conditions. Their easy claims process and quick reimbursement make it a popular choice among pet owners. While it may not be the best fit for every pet owner, it’s worth considering when researching pet insurance providers in Canada.

Leave a Reply

Your email address will not be published. Required fields are marked *