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: Sheila Hudson

Excellent Service

We had Teddy tested for allergies and found he is allergic to grass and weeds. He will have to take allergens for 3 to 5 years to cure him of his condition . We submitted Teddy's claim for the testing, which was $964.00 to Trupanion and had a cheque within 2 weeks for 90% of our claim. Plus Trupanion is paying for his ongoing meds. Trupanion notified us by email as to status of our claim. We could not be more satisfied with Trupanion service.
5

out of 5

POSTED: | BY: Debra Stephenson

Outstanding

When I contemplated buying pet insurance for my Diesel, I wasn't sure I would ever had to use it. I have to say......I will never have another pet without the security of pet insurance. My Diesel suffered a FCE or spinal stroke and we had no idea what treatment he would receive, how long the treatment would last, if it would be successful and last but not least how much it would all cost. I am so very happy with Trupanion's customer service and speedy reimbursement. From the moment I first called customer service for advice, to the filing of my claims it has taken a large portion of the stress out of a horrible situation. I am happy to report that my Diesel is now able to stand and walk and has made a remarkable recovery. Since the incident my father has insured his dog with Trupanion and I have suggested it to many of my pet owning friends and family
5

out of 5

POSTED: | BY: Mary Martin

No regrets!

It is such a comfort to know that I won't have to put my dog down because I can't afford her care. She's gat bilateral cruciate ligaments torn seeds surgical repair to the tune of about 8000.00. I pay my 500 deductible(I paid that for the diagnostics - sedation for large dog x-rays) and now I only have to pay 90% of that. It includes much needed and expensive meds. So glad I bought this - they have been great - very caring. Highly recommended. I talked the hubby into it by telling him if the premiums (about $60.00 a month) add up to say, $800.00 for the year, and then she needs major surgery we are golden, only having paid the deductible and 10%.
5

out of 5

POSTED: | BY: Heidi

Couldn't be happier

My lab puppy has had to have 2 surgeries this year, first on her shoulder then on her elbow. I am so thankful that I got Trupanion insurance for her. Going through the claim process and being able to easily talk to someone on the phone has been great. I don't know what I would have done without Trupanion.
5

out of 5

POSTED: | BY: Ronni Michel

All representatives were very helpful.

Your service is wonderful...My one question is when you bring an obviously sick pet to the veterinarian, why is the exam to determine what is wrong with your pet not covered. I was not bringing our pet in for a wellness visit.
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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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