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: Debbie Joubert

Awesome !

I have two of my dogs insured with Trupanion and have been very happy ! Jesse came to us as a pup, she was spayed at approximately 6 months old. Did you know that 1 out of 250 dogs will develop incontinence after being spayed or neutered ? I didn't !!! Well my poor Jesse was that one. Trupanion was there for us ! No questions asked ! Every couple of months I get her meds (that she has to take twice a day) I submit the receipt and its reimbursed ! Trupanion is awesome ! Reimbursements are quick, response time on my submission is super fast and their customer service is top notch ! This is one decision I made that I am very thankful for ! Thank you Trupanion !
5

out of 5

POSTED: | BY: Judy /

100% Satisfaction!

Our cat became ill in undet a year's time of having Trupanion Insurance. They couldn't have made it easier for us. The vet submitted the invoices, we received confirmation of same and then a followup within a day or so informing us of the alloted coverage. Then the check followed shortly in the mail. Our cat is doing great and we have not been financially devastated. We highly recommend Trupanion! It has been well worth it!
5

out of 5

POSTED: | BY: Kelli

Brand new customer and I'm already impressed

I just signed my dog up yesterday for Trupanion and I am already extremely impressed with their customer service. I had a few questions about changing my policy, hopped onto the online chat and Cory was able to help me out with all of my questions. He was able to answer everything, double checked the fine print for me, and was very friendly and personable. It's only day 2 of my policy and I'm already very pleased with the customer service I have received.
5

out of 5

POSTED: | BY: R.Greiff

Very Helpful - Speedy Service

Trupanion was very helpful. I called before my dog went in for surgery to ask about a pre-approval. They sent the form right away. The surgery was covered. My vet also had an express claim form that was sent directly to Trupanion. We knew before the surgery how much we had to pay and what additional things were not covered under the insurance. Great service
5

out of 5

POSTED: | BY: Gary Armstrong

Vanilla

Unfortunately Vanilla did not recover but we appreciate your concern and help. Including the deductible over 80 percent of the cost was reimbursed. Without the knowledge of having that money available we would not have been able to attempt the treatment that was given.
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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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