Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,875

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 4.6
  • 4.8
  • Count
  • 6
  • 225
  • 25,875

Updated: May 29, 2024

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.
5

out of 5

POSTED: | BY: Gail

Easy

This is the second claim I've had to file and the process is so easy! Either my vet or myself faxes in the claim with detail receipt and that's all I have to do! I get email updates on how the process is moving along (claim received, claim processed, claim payment mailed) and if any problem arises an email is sent about that too!
5

out of 5

POSTED: | BY: B McCort

Great Service!

I adopted a 5 yr old rescue miniature poodle mix who was very thin. I had already lost a dog to cancer and one to kidney failure so know what a financial burden that can be. I didn't want $ to be the deciding factor on the type of care I was able to provide him. Having no medical background info on him, I decided to research pet insurance. I spent a lot of time looking into the various companies. I chose Trupanion and have been very happy with the Policy benefits. As it turned out, Buddy had stomach problems that started a few months after the adoption and the bills began. Special food, tests, daily meds all trying to control his symptoms. Finally was referred to a gastric specialist (cha-ching!). At this point I was facing an endoscopy and an ultrasound. I figured I better look into that policy I bought! I submitted all the bills I had to that point and spoke with them regarding how much they would pay towards these procedures. Since bills were for the same chronic problem, they applied them to my deductible (per diagnosis). Once that was satisfied, I received payments for 50% of the special vet-Rx canned food & 90% for prescriptions and procedures & will FOR HIS ENTIRE LIFE! Hopefully we will find a cure, but if he requires lifetime meds for this same condition, Trupanion will continue to help pay for them. I fax in my claims, and Trupanion processes them and I have a check usually within a week. Knowing that I could give him the best possib
5

out of 5

POSTED: | BY: Kelly

Great Experience!

My pug, who is only one and a half, recently developed epilepsy. It was very scary to know that our little boy was sick. Thankfully, one thing we did not have to worry about was the cost of vet care. I was hesitant at first to get pet insurance since I had a bad experience with another company in the past. However, I did some research and decided to bite the bullet and get insurance from Trupanion, since it had great reviews. I am so glad I made that decision. I put in a claim for our pug's medical expenses and received constant updates by email right up until I received the cheque in the mail. We are still battling epilepsy with our boy but the fact that all medical options are available to us now with insurance from Trupanion is very comforting.
5

out of 5

POSTED: | BY: John G

Excellent!

Excellent! Paperwork very easy and short. Checks arrived very quickly. Very pleased.
5

out of 5

POSTED: | BY: Pat Fish

Better serbice than I believed possible

My elderly Irish Wolfhound contracted a life-threatening E.coli infection at a local ocean beach, and was hospitalized for weeks. At the suggestion of my veterinarian I had put him on a Trupanion policy a few months before, and I watched his bills mount and fervently hoped that they would be covered. Much to my deep gratitude Trupanion did pay exactly as the policy describes. I covered the exams and they paid 90% of the rest. In the past I was always skeptical about pet insurance, afraid they'd use "breed specific exclusions" to avoid payment. But Trupanion is honest and accurate and with their help I was able to afford the best veterinary treatment that money can buy, and I will have more time with my beloved dog. I speak highly of Trupanion now to my friends, and will continue to buy pet insurance from them now for many years to come.
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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 Canada Pet Insurance detail
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  
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