Top-rated Ontario pet insurance
Protecting Canada’s dogs and cats for over 25 years
Uncapped payouts for life
Your vet bills can be paid directly at checkout
Founded in Canada
The best pet insurance choice in Ontario
Trupanion helps cover unexpected vet costs so you can say “yes” to the medical treatment your pet needs, without worrying about how to pay the full bill. And it’s not just Ontarians who approve — we're the top pet insurance company in Canada, trusted by veterinarians across the country.
1 in 3 pets need unexpected care each year
Whether your dog swallows a toy or your cat gets sick chewing on plant leaves, having the right coverage helps you protect them when it matters most. With Trupanion, up to 90% of your bill can be paid directly to your vet at checkout — no more waiting for reimbursement!
See how Trupanion helped Blair in Mississauga
This sweet domestic shorthair suddenly developed a blood disorder and a liver abscess, requiring emergency surgery to save her life.
Based on Blair's claims:
$18,298.78
Trupanion paid:
$15,588.66
Blair's parent paid:
$2,710.12
Total invoice based on a real member plan with 90% coverage on eligible costs with a $800 deductible applied. See our policy for full coverage details.
Keeping coverage fair for Ontario pets
Finding the best pet insurance can be tricky. You may feel drawn to providers with supremely low rates, but be careful of this bait-and-switch. Cheap monthly prices will likely increase and can come with multiple catches.
Whether you’re on the Hudson Bay or in the capital city— at Trupanion, your pet always comes first.
Will my coverage reduce over my pet's lifetime?
No! Unlike other providers, we don’t decrease your coverage year-to-year, so you can count on top-tier protection for the life of your pet.
Will my price increase simply because my pet gets older?
No! Trupanion is one of the only pet health insurance providers (in the country, not just Ontario) that does not practice birthday pricing. Your cost can still change over time due to things like inflation and advances in veterinary care, but we will never increase it simply because your pet gets older.
Will I pay more after using my coverage?
No! You'll never pay more just for using your coverage, and we encourage you to utilize your policy as often as needed. Your Trupanion policy is designed to cover new, unexpected illnesses and injuries for the life of your pet.
Care without limits in the Loyalist Province
Other providers often cut costs by restricting payouts and imposing limits, but we think Ontario pets deserve better. That’s why we provide high-quality dog and cat insurance with no cap on what we pay out.
Your love for them has no limits. Neither should your coverage.
No payout limits
Unlike other providers, we don’t limit our payouts. Your pet is covered for eligible expenses no matter the cost.
No annual limits
You don’t have to worry about how many times your pet gets sick or injured — in Quebec or anywhere.
No lifetime limits
Trupanion is by your side with robust coverage and no payout limits for the life of your pet.
Why do Ontario pet parents love us?
Over 98% of all members renew their coverage month after month.
No payout limits
We cover your pet’s condition for life with no cap on what we pay out.
We pay vets the fastest
We can pay your veterinarian directly at checkout within seconds so you don’t have to wait on reimbursement.
Trusted by Canadian pet parents
We're #1 in Canada, earned with coverage you can count on for the life of your pet.
We follow through
We’ve paid out over $3 billion in claims so pets just like yours receive the care they deserve.
Trusted by vets, loved by pet parents
Be a pet parenting pro in Ontario
We care about your pet’s everyday wellness too — our Pet Parenting blog is your sidekick in all things dog and cat!
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We’re always ready to help
Our customer care team is available 24/7/365.
