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: Renee

Thank goodness for trupanion!

I went out for a few hours and when I came home my dogWas laying in a pile of drool and was so dizzy, swaying back and fourth. My dog is an 8 pound yorkie. I immediately called my vet and took her in. They suspected toxicity from something my dog ate. After xrays they found out it was something stuck in her stomach. An estimate was sent to trupanion who responded within the hour to let me know everything would be covered. They even called me to let me know. My vet bill began increasingly getting larger and larger. It was such a relief to know I had trupanion to help me out!! My bill ended up being 1500 and I left only paying 250.00. I am so thankful for trupanion, you never know if something will happen to your dog and such a relief to know trupanion is there to back you up. I would definitly recommend trupanion!
5

out of 5

POSTED: | BY: Judiann P.

Highly Recommend, Very Satisfied

Our miniature schnauzer developed bladder stones that did not dissolve with medical therapy, so he eventually required surgery. Trupanion covered 90% of all the medical AND surgical treatment, INCLUDING 50% coverage of the expen$ive prescription dog food. They respond quickly to previously approved covered conditions and the reimbursement arrives in a timely manner. It does take a little while initially for them to obtain all your vet records and approve an initial claim (some vet offices are unresponsive), but if you help them out by getting vet record copies yourself and emailing them to the company, they accept them and it greatly expedites the process.
5

out of 5

POSTED: | BY: David

Great service!

Prior to attaining Trupanion, I had another pet insurance company that re-rated all of the cost when i visited the Vet. In the end, I received less than half of my initial claim. The Insurance company Rep said that they take all of the costs from Vets and adjust them according to their own stated prices minus my deductible. I was paying over $100.00 per month for two dogs and I couldn't believe it. I spoke to my Vet and they recommended Trupanion. Several months after switching pet insurance companies, my dog had been dx with diabetes and Trupanion has assisted with the financial burden without re-rating Vet cost. I paid my $100.00 deductible once and they paid 90% without adjusting the Vet cost. Without Trupanion, I am certain that i would not have been able to afford his care for life. Took a week or two for my dog's medical information to be processed, however, now i just take a claim form to my Vet who faxes it to the Trupanion. Within two days, my claim is processed and i am reimbursed right into my checking account. Without Trupanion, I do not know if i would be able to afford my dog's diabetes treatment for life. I am very thankful for their help! Their customer service is also excellent too!
5

out of 5

POSTED: | BY: Alyona

Great experience!

They are very easy to get in contact with, provide great assistance and answer all the questions in a very pleasant and professional manner. They work fast with analyzing the claims and provide timely updates along the way. Overall very happy to be working with them!
5

out of 5

POSTED: | BY: Denis&Anita

Best insurance

Just want to express my happy moment with Trupanion.My dog got bite on Friday I called them they was amazing explain everything about how to claim.My vet fax the claim around 3 pm got email from Trupanion same day 7 pm that they receive my claim then on Monday got another email explaining that it might take up to 15 days because its my first claim,then on Tuesday got email that my claim was processed and they refund my bill %90 as they advertised.I highly recommend Trupanion they are amazing I have one less worry because of them and thank you TRUPANION people for all great service and making our claim less painful.
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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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