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: Shawna

Fantastic

I recently signed up for pet insurance with Trupanion. What a difference from my previous plan I had. My dog was ill less than 2 weeks ago and a few days ago I was informed my claim had been processed and that they were placing a cheque in the mail. Wow what service. I previously had a different plan, however, each year they reassessed and increased the premium and lowered percentage covered claiming it was for a cost of inflation in the area I lived as well as based on usage in the prior year. If my dog had claims the previous year you could bet the percentage and premium would change......not fair. So glad I have switched to trupanion. I have choosen the top end plan but I truly know my pet and I are protected if he gets ill. In addition, trupanion sends you emails along the way about how your claim is progressing so you know they are working hard for you. It would usually take 6 weeks to get a check back from my previous pet insurance company and it was always for a stinking small amount.
5

out of 5

POSTED: | BY: Michael Kinney

Pleasantly surprised by quick claims service

I had pet health insurance many years ago and was very unhappy with their handling of a claim. I felt they were very happy to collect their premiums but disinclined to pay for any claims. Trupanion has changed my attitude completely.
5

out of 5

POSTED: | BY: Valerie

The Best!

The experience with Trupanion has been wonderful. Since the day I signed up a year ago, to filing a claim recently and adding another kitty, every time I've called I speak to someone who really cares. The coverage was so easy to set up. The choice and amount of deductable/ or no deductable. I was so pleased with the quickness of re-embursment...90%! Quicker and easier than other kind of insurance issues. I am so thrilled with Trupanion. Anyone with cats or dogs they love should enroll their animals. I advise everyone. Just yesterday when I had car work done, the cashier got one of my speeches.She has English Bull Dogs. I wrote "Trupanion" on the paperwork for my $1000.00 charges. I want everyone to know how Terrific Trupanion is. Thank You! I wish I lived where you folks are located. I'd bring flowers!
5

out of 5

POSTED: | BY: Chenney

Always Surpasses Expectations

The customer service people are friendly and genuinely concerned about your pet's well-being. Also, they are informative and helpful. Our vet was great about sending the form through and Trupanion was quick to reimburse us the costs.
5

out of 5

POSTED: | BY: Misty Mae's

Quick and easy

Recently my dog ate an Advil Liquid Gel pill and I had to take her to the Emergency Vet late at night. I submitted my claim and had a check in 1 week. Had subsequent vet bills and all were processed with no delays or issues.

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  

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