Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,881

Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process. Trupanion was founded in Canada and provides bets-in-class coverage and is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets. To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month. 1Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy. *Terms and conditions apply. Please view your sample policy for complete coverage details. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products.
3

out of 5

POSTED: | BY: Harvey

Enrolment was easy...price was almost…

Enrolment was easy...price was almost 50% higher than what the commercial noise stated, but it still seemed to be OK. I did the enrolment because the cat is a registered bengal and worth a bit, plus we love her all to hell. However with any insurance two issues are important. Price increases that are hard to justify, and no coverage for a variety reasons when claims occur. How easy it is to send money for coverage isn't as important as what the coverage really is in the end, and whether or not a pet savings account is cheaper in the end. So we'll see.
3

out of 5

POSTED: | BY: Bojan

Very dissappointed from the start

So far my experience has not started off on the best foot. I found out that my dog isn't even covered for illness for the first month because of a waiting period which is 30 days for illness and 5 days for accidents. I can understand there being a waiting period (although 30 days is a long time), but I should not be charged the full price for the period I'm not receiving the full benefits. Would it not make more sense to prorate the first month or start charging as of the month your coverage actually starts? I get that the company is in this to make money, but open fraud like this is just plain dirty. Not only are they charging me full amount that month, in addition I had to pay extra for registration fee so I can be "put in their system". Being a web developer myself, I know it costs 0 dollars to put a user in your system especially since the user did all the work for you. If you haven't figured out how to automate this by now, then that is on you and shouldn't be an extra charge on the customer. Best explanation I got for this was because it was "the industry standard". Basically reaching into my pocket because they know I don't have a choice. Edit, I did have another complaint here originally but they called me and they explained the issue and I removed that complaint as it was a misunderstanding on my part, so I admit to being wrong on that and I apologize. However, I do stand by what I wrote above. I increased my rating due to them reaching out and trying to explain things, but I still don't agree with their policy on charging fully and not providing full coverage.
1

out of 5

POSTED: | BY: Jeevan Menezes

Dishonest and Misleading—Avoid Trupanion

We recently got a puppy, and the first owners had a one-month insurance policy with Trupanion, which we were encouraged to renew. During a routine vet visit for vaccinations, our vet noticed that our 14-week-old puppy had lower canines growing into the upper inner gums—a teething issue that had just started. When we called Trupanion, we spoke with Amanda from Sales, who assured us that this issue would be covered under the policy if we renewed. Trusting her word, we renewed the policy. However, after our vet submitted a pre-approval for the extraction procedure, Trupanion denied the claim, stating it was a pre-existing condition. This was never raised as an issue during renewal. When we called back to contest the decision, they continued to make excuses, eventually claiming the issue was reported within 30 days of renewal and therefore ineligible. Why are we paying such high premiums for a company that denies valid claims using vague and shifting excuses? They misled us into renewing the policy with assurances of coverage, only to leave us with no support when we needed it most. This is especially infuriating as it concerns a young, 14-week-old puppy just starting to teethe—something no one could predict. It feels like Trupanion is exploiting pet owners, offering false assurances while denying legitimate claims under the guise of "pre-existing conditions." New pet owners are already anxious and adjusting, and this kind of dishonesty only adds to the stress. Trupanion has shown zero care or compassion and seems more focused on collecting premiums than supporting pets or their owners. Avoid Trupanion. They are nothing more than scammers preying on vulnerable pet owners.
1

out of 5

POSTED: | BY: Jeevan Menezes

Dishonest and Misleading—Avoid Trupanion

We recently got a puppy, and the first owners had a one-month insurance policy with Trupanion, which we were encouraged to renew. During a routine vet visit for vaccinations, our vet noticed that our 14-week-old puppy had lower canines growing into the upper inner gums—a teething issue that had just started. When we called Trupanion, we spoke with Amanda from Sales, who assured us that this issue would be covered under the policy if we renewed. Trusting her word, we renewed the policy. However, after our vet submitted a pre-approval for the extraction procedure, Trupanion denied the claim, stating it was a pre-existing condition. This was never raised as an issue during renewal. When we called back to contest the decision, they continued to make excuses, eventually claiming the issue was reported within 30 days of renewal and therefore ineligible. Why are we paying such high premiums for a company that denies valid claims using vague and shifting excuses? They misled us into renewing the policy with assurances of coverage, only to leave us with no support when we needed it most. This is especially infuriating as it concerns a young, 14-week-old puppy just starting to teethe—something no one could predict. It feels like Trupanion is exploiting pet owners, offering false assurances while denying legitimate claims under the guise of "pre-existing conditions." New pet owners are already anxious and adjusting, and this kind of dishonesty only adds to the stress. Trupanion has shown zero care or compassion and seems more focused on collecting premiums than supporting pets or their owners. Avoid Trupanion. They are nothing more than scammers preying on vulnerable pet owners. Date of experience: January 21, 2025

Monthly Cost

Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.

Coverage

One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice. To view a full list of inclusions and exclusions, check out our sample policy here.

Payout Limits

Unlimited lifetime payouts on eligible conditions with no payout limits-ever.

Deductible

You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget. Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.

Age Limits

All pets under 14 years old can enroll. Once enrolled, pets stay insured regardless of age.

Waiting Period

Accidents: 5 days Illnesses: 30 days Other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.

Exclusions

Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like: Examination fees Wellness and preventive care Elective, or cosmetic procedures Sales tax, where applicable Like all pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early! *Terms and conditions apply. Please view your sample policy for complete coverage details.  
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association. Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion: 24/7/365 Member Support—yes, even on holidays 20+ years of experience $2 Billion paid in claims Over 800,000 pets protected Unlimited Payouts The only provider that can pay your veterinarian directly at checkout* Accepted everywhere in the USA, Canada, Puerto Rico, and Australia * At participating hospitals Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company  

Get a quote today

Leave a review