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Medical Insurance for Pets in Canada – Trupanion

For many of the pet parents, taking the furry kids to see a vet is definitely a “wallet hurt”. Keeping a pet at home not only need your love, but also patience and money when they are getting sick. The medical expenses are quite costly in Canada.

At this time pet insurance seems extremely important and necessary.

A Canadian website called “Pet Insurance Review” made a list of “5 Best Medical Insurance for Pets”. They are



Pet Plus Us,


Pet Secure.

Besides, there are several more insurance companies that offer per insurance, including Desjardins, The Personal, Peppermint, OVMA (Ontario Veterinary Medical Association), Toronto Humane Society Pet Health Insurance, SPCA (Nova Scotia Pet Health Insurance), Allstate (Pet Insurance), CAA pet, Costco, Sonnet (Pet Secure) and etc.

In this article, we are going to talk about Trupanion and their policy.

As an acclaimed pet insurance company, Trupanion is most of the pet parents’ first choice.

If you went to an animal hospital partnered with Trupanion, you don’t have to pay any expenses at that time. The vet’s will contact the insurance company directly and send the bill with any remaining cost to you.

Normally, Trupanion will reimburse 90% of the actual veterinary costs, including the treatment and drug fee once you meet the deductibles.

Some breeders also recommend this company. Because some pets may have a certain chance of suffering from congenital & genetic disorders.

Except for accidental injuries and diseases, Trupanion will also cover some genetic and congenital diseases. Even vomiting, diarrhea, cough, weight changes are also included in them plan.

However, the only drawback of Trupanion is a little bit pricey with abnormal renewal price.

There were some pet parents who bought the insurance plan found that the renewal price increasing while they never went to a veterinary hospital in the past one year. But some parents who brought their furry kids to see a vet before said the premium didn’t go up.

Trupanion covered pets aged between eight weeks and fourteen years old.

Monthly premium varies based on different factors, including: the breed of the pet, the age and gender, the selected deductibles, and the cost of veterinary care in your area.

The deductibles you can choose are from $0 to $1000.

The deductibles of Trupanion policy is unique because they offer a lifetime per condition deductible. You pay a deductible only when your pet develops a new condition. Once your deductible is paid, your policy begins paying out at 90% for anything related to that condition for the rest of your pet's life. It’s a great choice if your pet suffers from chronic diseases, such as cancer or allergy.

Trupanion insurance covers the medical expenses of new unexpected injuries and illnesses your pet may face, including:

  • Hereditary Conditions: Elbow and hip dysplasia; Diabetes; Upper respiratory infections; Thyroid disease

  • Unidentified Issues: Vomiting; Diarrhea; Cough; Change in weight

  • Congenital Conditions: Heart disease; Nervous system issues; Cataracts; Liver disease

Whatever medical procedures your cat or dog needs for those unexpected injuries and illnesses, Trupanion will cover. That includes things like:

  • Diagnostic tests

  • Surgery

  • Hospital stays

  • Medications

  • Veterinary supplements

  • Herbal remedies

  • Prosthetic devices and carts

However, you have to be noted that the followings are not covered by the Trupanion policy:

  • Wellness Care: Health exams, Vaccinations, Dental cleanings, Sterilizations

  • Preventive Care

  • Exam Fees & Tax

  • Illness happened before you became a member

In addition, Trupanion also offer additional coverage that complements the policy, which are available at an additional cost.

Recovery and Complementary Care Rider:

To fully support your pet with complementary, non-clinical procedures. You’ll receive coverage for: Acupuncture, behavioral modification, chiropractic, homeopathy, hydrotherapy, naturopathy, physical therapy, rehabilitative therapy.

Pet Owner Assistance Package:

Help your pet outside the veterinary office by receiving coverage for: Advertising and reward for lost pets, boarding fees in the event you are hospitalized, liability coverage for third-party property damage, cremation or burial for deaths due to an accident, holiday vacation cancellation costs.

Matters Need Attention!

Generally speaking, dog insurance is more expensive than cat insurance. An adult dog insurance is more expensive than a puppy. Similar to the life insurance, the younger the pet, the cheaper the premium. A domestic cat’s premium is absolutely lower than a breed cat.

The current pet insurance only covers cats and dogs. Some other pets such as rabbits, turtles and etc., are not able to be covered by any insurance yet.

A pet insurance usually does not take effect immediately. Different insurance companies have different waiting time. Please pay attention to the waiting period.

Trupanion’s waiting period is 5 days for injury and 30 days for illness.

For more information, please visit Trupanion’s official website, or call the 24-hour hotline: +1(877)-827-9297 for details.

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