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.
3

out of 5

POSTED: | BY: Tomoko Sato

A tad disappointed despite great staff

Appreciated the detailed breakdown of cost and reimbursement - well laid out and easy to understand. The turn around time of my reimbursement was reasonable. It's disappointing that I am expected to pay the vet up front first, especially for large amounts. My dog needs to go for surgery. It will cost over $3000 - funds which will take me many months to save. If Trupanion could pay my insurance portion to my vet directly, I would be able to get him into surgery now. Since they won't do that, it will be another 4 months before I can afford the surgery. I feel this defeats the purpose of getting insurance.
5

out of 5

POSTED: | BY: Karin Lyle

Trupanion lives up to its claims!

I began insurance coverage with Trupanion for my cat Sam in September of 2013. He was healthy at that time. Early in 2014 Sam became ill after a routine dental procedure. I was willing to pay whatever I needed to in order to help Sam, and whether or not I had had insurance would have made no difference to me (although certainly, not having insurance would have made things tight for me, budget-wise). Thankfully, after days of tests and treatments in the emergency hospital, Sam was on the road to recovery. I submitted several claims to Trupanion and they were prompt in their response, paying 90% of Sam's medical bills. I am VERY thankful for this company, and appreciate their efficiency and integrity. If only human insurers would take note and do the same!
5

out of 5

POSTED: | BY: Rebecca

Great!

Setup was easy and fast.Filed a claim in the first month. No debate on payment and recieved my check quickly. Always nice and cheery on phone.
5

out of 5

POSTED: | BY: Nannette

Awesome Service

I don't often write reviews of products or services. In the case of the service we received from Trupanion, I felt everyone should know what a great company they are to have on your side. One of our "kids" was diagnosed with pancreatitis, which means antibiotics, tests, fluids. The bills racked up. I submitted the claims for the visits and within two weeks, I had checks in hand. The latest claim I faxed to them at 9:00pm, the next day I had an email saying the check was on its way. I was very impressed and very pleased. Thanks Trupanion for the quick response and follow up!
5

out of 5

POSTED: | BY: Kim White

claim review

Quick and courteous
Please leave a review

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  
Provider website

Get a quote today

Leave a review