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: Mary Griffin

Completely satisfied

Our initial claim was processed quickly and without any complications. I filed two additional claims for follow up on the same diagnosis. Both claims were handles within a week with no hassle etc. I am very satisfied with Trupanion and would recommend to others.
5

out of 5

POSTED: | BY: Juliette Olavarria

Amazing!

My 3yr old lab was limping, and FCP in her elbow was diagnosed. I was very worried b/c many pet insurances do not cover elbow problems, but Trupanion paid the full 90% -my deductible and exam fees ($3450.00) immediately! Thank God I decided to go with them.
5

out of 5

POSTED: | BY: Janice Mozee

very helpful during a stressful time!

Trupanion was very quick to approve my claim. I was very please how Oakhurst Veterinary Hospital doctors were able to get approval right away. Thanks for your help.
5

out of 5

POSTED: | BY: Pat and

Trupanion.....Pet owners Best Friend!!!

I learned my lesson the hard way by not having excellent insurance for my beloved Maltese Logan. He needed a Knee replacement and soon after was diagnosis with severe CHF. The medicine was approx. $500 a month and the grand total I needed to borrow from my 401K was $30,000. I am still paying off this loan for 3 more yrs and my beautiful Maltese has been gone 16 months now. I made the mistake of purchasing a "cheap" policy, and you truly get what you pay for!! My family has since welcomed a beautiful Golden Retriever into our lives. I did my homework on breeders and Insurance companies. I needed to know that money would never be the reason I would not be able to give our family pet the best medical care he deserved. The only company I would consider was Trupanion. They must go out of there way to hirer the most compassionate dog loving staff! I choose a policy that would reimburse 90%%of the billed amount with no deductible, and insured my dog at exactly 8wks of age. Everyone thought I was crazy to "waste" money on a healthy pup, but I felt such an urgency to have this dog covered. I could never afford to do what i did out of pocket for my last dog, however we all know once you fall madly in love with your pet there isn't much you wouldn't do for them. To make a very long story short, my beautiful Golden named Chase, was neutered at 8 wks old, We decided to have hip x-rays for a baseline. As my luck would have it, Chase had severe hip dysplasia, 90% Right hip and 70% Left hip.
5

out of 5

POSTED: | BY: Erin

Great experience! Second operation, hassle free

Our little yorkie has had a rough life with a liver shunt surgery and now, a patella luxation. Both surgeries were scary for us but we didn't have to worry about our coverage once! $60 a month for 3 years and we have submitted nearly $6,000. We also like the direct payment with our vets because all we have to do is pay 10% and the tax as trupanion reimburses our vet directly. Thank you so much!!!
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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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