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: Marji Evans

Awesome

I have never had Ins. but on Boxer Puppy decided to try ...My vet recommended and submits claims for me and I receive reimbursement checks ASAP.I use the no deductible version and it has paid off..I love it and feel secure knowing my baby is covered for lifes little or big accidents..
5

out of 5

POSTED: | BY: Barry Rosser

looking good

Everything was handled very well and to our satisfaction.
5

out of 5

POSTED: | BY: miranda gullens

my experience with trupanion

It meant a lot to me that the staff was so kind, helpful and accommodating. They did everything they could to spend up the process so that my baby could get the diagnostics and treatment she needed, which alleviated a lot of stress during this highly stressful time. There is nothing worse than getting the run around when your worrying about your best friend, I am so thankful that I didn't have to deal with that . I felt like Hades and myself actually mattered to the company and were not just a number. Jessica Kennedy (trupanion staff member)went the extra mile to make the process as stress free as possible, give me someone to talk to about my worries and concerns, and make me feel like Hades mattered as was not just a number. after this experience I know I made the right choice in picking trupanion for my best friend Hades. Thanks again everyone
5

out of 5

POSTED: | BY: A. Parker

Great Service

I've filed a few claims in the past 2-3 months and for each claim I received quick reimbursements. I would recommend Trupanion to any pet owner.
5

out of 5

POSTED: | BY: Lyn Timbrell

Trupanion review for dog needing surgery

Have just received excellent service and compassion from Trupanion after my dog was admitted to the emergency hospital. They liaised directly with the vet regarding necessary surgery and called me back promptly to tell me not to worry and that his claim was covered and they would direct bill so I needed to do nothing. They asked me to pass on a big hug to my dog from the staff in their office. My dog is now back home and recovering really well. I have already recommended Trupanion to my dog friends. They took a huge weight off my shoulders with the way they dealt with this matter and I will always be truly grateful.

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 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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