Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,879

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: Annoyed Customer

BEWARE

While they have great customer service, the rate hikes are outrageous. Nothing has changed in my pet's health condition but I just got notice my rate will be going up an astronomical 20% next month. I get that rates go up every now and then but this is ridiculous. Not impressed.
5

out of 5

POSTED: | BY: Dottie

So glad I chose Trupanion for Romeo

I never had pet insurance before, nor did I have a pure bred dog before. In 2012, both changed. Romeo, our Lhasa Apso came into our lives and came with insurance. Our vet advised that it would be a wise thing to have because you just don't know. Well she was right, Trupanion was right there for me when Romeo had a stomach bug and a $616 vet bill. The staff was caring and courteous. I sent my claim and in less than 2 weeks had my check for almost half of the expenses. I am grateful for Trupanion.
5

out of 5

POSTED: | BY: Cathy Bennett

Excellent Coverage

I purchased pet insurance within a few days of adopting Rocky from the SPCA and it has been invaluable to me. In addition to injuries such as a recent paw abrasion, in the past it has covered payment for the removal of a tumor on his eye lid and ongoing blood work monitoring and medication for his underactive thyroid. Claims are processed promptly and payments received in a very timely manner. It also gives me peace of mind knowing I have coverage in the event there would ever be a serious and costly issue that he would need treated. I would recommend this coverage to all pet owners.
5

out of 5

POSTED: | BY: Lou Leet

Good customer service, very responsive

I was extremely happy with the customer service, processing and coverage! Hope I don't need to use it again, but ever so happy to be able to treat my boy and have the great coverage.
5

out of 5

POSTED: | BY: Pat

peace of mind

It was good to know that whatever Ozzy had and whatever was needed to save his life, Trupanion would help. I've recommended Trupanion to others as a consequence of your quick action.
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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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