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: E Lawrie

only way to go, well worth the premium

I have a high energy dog, with high risk of accident to limbs and spine. Insurance is the only way I can afford to keep my dog healthy. Claim was quick and as expected. Great company to deal with
1

out of 5

POSTED: | BY: Lisa

One disappointment after another

My vet recommended we check out Trupanion, wish I never did. After paying premiums that were VERY expensive compared to others out there, they DENIED my claim after weeks of going back and forth saying they needed more paperwork, that they never got the records my vet sent even though they sent it THREE TIMES. The customer service agents I spoke to were rude and not very knowledgeable or helpful. Everyone I spoke with told me something else. They were looking for reasons to not may my claim, just because my baby had a reaction to some food we tried last year, now they won't pay anything because he just has allergies according to them! Waste of money!
5

out of 5

POSTED: | BY: Brandi Bonner

fast friendly service

Whenever I send in a claim, Trupanion quickly processes it. When they have questions they give me a call and the service representative is friendly and professional. I would recommend them to any animal friend.
5

out of 5

POSTED: | BY: Corinne metcalfe

Stars for Trupanion

Recently my dog tore his cruciate ligament and requires surgery. We just went through this 5 months ago with his other leg. We are so upset that our boy has to go through this again. The shining star in all of this is Trupanion! In less than a week I received a deposit for the initial X-ray and exam. But best of all they have lifted the financial strain by providing an express claim for the surgery. By the end of this operation as well as the first one, Trupanion will have helped us with almost 10,000 dollars. The staff are extremely helpful and genuinely concerned about our dog. Thank God we switched pet insurance from another well known company that kept reducing our coverage and increasing our monthly payments!!!
5

out of 5

POSTED: | BY: Steven Frederick

Fast and effective

I've used VPI and Embrace with previous pets. I had great service with Embrace (not so great service with VPI!). When it came time to insure my new Boerboel puppy I was going to quickly run back to embrace, but my employer offered a reduced rate with trupanion, who I knew nothing about. Instead the reviews and decided it was worth a shot. Glad I did! Same great service as Embrace, and they cover everything at 90%! I really like the pre-authorization that guarantees coverage before I dish out the money. I remember the days on VPI when I'd have to wait 2-3 months with my fingers crossed and hope they'd at least give me back half the money. This was a revelation. Less than a week after surgery I had the money in the bank. Amazing.
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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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