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: Pamalea Albright

tumor on my dogs tail

I started using this company after I lost a pet to cancer. I wish I had their insurance then. I have 2 Shih Tzu's and thought with what I went thru not having insurance with the one, that I would get it for my other two, so I would never have to experience this again. My Vet recommended Trupanion and I called and decided to go with them. My one dog is 8 yrs old and noticed this lump on his tail. Took him to my vet and it was a tumor so went ahead and had it taken care of. My vet sent in a pre authorization and then decided to have it done. I was amazed at how fast Trupanion worked with my claim. He had the surgery on a Monday and by Thursday my money was in the bank (before my Vet cashed my check). Then with the follow up and bandage changes etc, Trupanion had that money in my acct within 2 days. My hubby and I are disabled and these dogs are so much comfort to us and keep us going. I am so glad that I now know I have comfort in knowing my pets will be taken care of when an accident or health issues arise.
5

out of 5

POSTED: | BY: Susan

AWESOME experience

Our Beloved Romeo, an English Bulldog, was literally one very sick puppy. He developed Aspiration Phneumonia. Our veterinarian bills were quite high. We even had to have Romeo transferred out to a University Hospital. We held our breath, as we received the invoice. We were delighted to know that Trupanion received our claim the day after Romeo came home. Within 10 days we received a check for 90% of the claim. I have a friend, who is a physician, she joked that it would be a miracle if human insurance claims were paid as quickly. WE ARE GRATEFUL TO TRUPANION!!!
5

out of 5

POSTED: | BY: Nita Bennett

Fast and easy

Our vet has direct billing so it is quick and very helpful to pay only the balance not the full vet bill
5

out of 5

POSTED: | BY: Amy Cohen

cat care

Young 2 year old cat with unspecified gastro disturbance. Cat ahd to be hospitalized in speciality hospital and requires follow up testing and care.
5

out of 5

POSTED: | BY: Heidi

Epilepsy

I got Trupanion insurance on my pup when she was 3 months old. My vet recommended it. I had VPI in the past for 3 of my dogs & had NOTHING but Problems with them!! At the time I was even working for my vet & received all medical care & meds at cost... VPI still wouldn't cover things!!!! They even denied my dogs elbow surgery because they made a mistake on my monthly billing & didn't charge me 1 month, I saw they didn't charge me so I called them & they admitted that it was a mistake with their computers... 3 months later my dog needed elbow surgery... They refused to pay it because of "a laps in coverage"... Which was their fault!! So needless to say I was Very hesitant on getting insurance for my pup. I am sooooo grateful that I got Trupanion!! When my pup turned 1 she suffered her 1st seizure. Then 4 weeks later another seizure & has been diagnosed with epilepsy. She started on Keppra & still suffered 2 more seizures. Now she's also on phenobarbital. Her meds alone cost $155/month. Trupanion has been incredible!! I fax over my claims & within hours get an email confirming they received my claims & will pay out 90% of expenses!! I recommend Trupanion 100% to all pet owners! Even their customer service help line has been incredible!! So helpful & kind!! Thank you!!!
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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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