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: Pamela Chandler

I love Trupanion!

This is a wonderful company to have pet insurance with. I am so happy and pleased to have them on my side and my baby’s (my dog Hannah) side, knowing they are there to help me take good care of Hannah. I know she will get the best of care because of Trupanion because they pay 90% of my vet bill, which takes the financial dilemma off my mind. They are so fast at reimbursing me and it just makes me rest easier because of their fast responses. They are professional, compassionate, and caring and I know they do care a great deal about pet owners and their babies, which is important for a pet owner. I looked into other pet insurance companies and found Trupanion policies are better than the other insurance companies I researched. Twice Hannah has had to be rushed to the vet, her vet billed was rather high, and they were right there for me financially. They are the best as far as I am concerned. Thank you Trupanion
5

out of 5

POSTED: | BY: Emily Windes

Very good.

Truupanion did a very good job from start to finish. They were prompt, and efficient. I wish my own health care provider was this good.For the sake of keeping animal population down, I would like to see spay and neutering covered.
4

out of 5

POSTED: | BY: Janet B.

Speedy turn around

Fast claim turn around (as long as you submit claim form, itemized receipt from vet and copy of vet's record for your visit). Cost of premium is higher that VIP but coverage is much better, so I think it is worth it.
5

out of 5

POSTED: | BY: Steven R

Excellent & expedient service

Very nice & expedient. Handled claim much more quickly than anticipated. They applied prior charges to the deductible I had forgotten about, so I was sent a larger claim payment than I had anticipated. Definitely recommend to others.
5

out of 5

POSTED: | BY: Anne Gartner

We are SO grateful!!!

I must have had an angel on my shoulder the day I said yes to Trupanion Pet Insurance. I can't imagine the absolute horror of having to euthanize a family member because I could not afford a necessary medical procedure. I previously had another brand of insurance, but they don't pay anywhere near what is needed in emergency treatment. It was extremely distressing when my kitten almost died after ingesting an 18-inch piece of poultry string. We had no idea she had done this. After diagnosis at the emergency hospital, she had life-saving surgery and is back to normal. We call her our $5,000 kitty because that's what it would have cost without Trupanion who paid 90%. Trupanion was there to help us all the way and we received our checks within two weeks. I am telling everyone I know with pets to sign up with Trupanion so that the only thing they need to say when tragedy strikes is, "Go ahead, save my pet!"
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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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