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: Jasmine

Accomodating, friendly, courteous, and fast

Fast turnaround. Direct billing. Great communication. Phone help line staff were exceptionally courteous, helpful, friendly, and accomodating. Reimbursement was sent to me personally by cheque rather than remitting it to the vet but after a quick phone call to rectify the oversight everything proceeded smoothly (Note: I was advised by the vet assistant that there has been an increase in the frequency of this happening lately for some reason but it was fixed the day I received the cheque once I called the Trupanion help line). Would definitely recommend.
5

out of 5

POSTED: | BY: Eva Hislop

Urinary Tract Infection

I have a 2 year old Cavalier King Charles Spaniel with a persistent UTI. Trupanion was great! Their customer service is excellent. They kept me up to date with what was happening with the claim and they were prompt with payment. This was the first time I submitted a claim and I was very pleased with their response time.
5

out of 5

POSTED: | BY: Kathy Ivanetich

Trupanion is great

My newly adopted 3 year old chow needed entropion surgery, and when I called to give Trupanion a heads up for the first surgery they said it would be covered less deductible. Then I called to tell them he needed a 2nd touch up surgery and they were upset that he was struggling, and said coverage for the touch up was not an issue. They really cared about how well Cody did, and are all around great.
5

out of 5

POSTED: | BY: Bill Garrett

Trupanion has been a wonderful partner!

Two Golden Retrievers, Cooper and Bailey, have been a part of our family since they were 8 weeks old in January of 2013. They are now 17 months old and are certified as Therapy Dogs. They are such wonderful companions and family members! Trupanion has been a part of our plan for taking care of Cooper and Bailey since we brought them into our lives; and we are so glad for their help. Early in life Cooper and Bailey both experienced problems with diarrhea. They were placed on special diets and medications to control it. The diahrrea problem resolved itself as Cooper and Bailey grew up; but while it was going on Trupanion was with us every step of the way to help with the medical expenses we were incurring. Later, both Cooper and Bailey were diagnosed with atopic skin condition that requires them to be on a special diet and to take expensive medication. Once again, Trupanion came to the rescue and has helped immensely with covering expenses related to purchasing their food and medication. Trupanion's response to submitted claims has always been prompt and fair. The claim resolutions are clearly explained and checks arrive soon after a claim is resolved. We couldn't be happier Trupanion is part of our dogs medical care plan.
5

out of 5

POSTED: | BY: Amanda

Quick and easy

Shortly after adopting my cat, he got sick and had to go to the vet (we went mmultiple times and had a week of antibiotics before he was totally ok). My vet works directly with Trupanion, so everything got approved before I even left the office and all I paid was the 10% coinsurance. My cat was still on the introductory free trial period. Only a few vet offices are set-up to do that right now, but it made everything really easy for me! Hopefully more vets will do this!
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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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