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.
4

out of 5

POSTED: | BY: Jeanne

ACL Surgery for 12 year old dog

We switched vets in the fall and our new Vet recommended a 30 day trial with Trupanion after the 30 days I thought I would keep it for awhile longer. I'm glad I did…our 12 year old West Highland Terrier tore his ACL about a month after we extended the trail. We had some initial issues because they, Trupanion, did not have his complete medical records from 4 other Vets and that was a little scary because we new that this was a new issue and not an existing issue and were being told that they couldn't let us know if it was covered until the records were reviewed. My recommendation is to get ALL your records to them when you sign up and update as you go along…then if an issue comes about they will have all of your pets records on file and should be able to answer ALL questions when you submit the claim ALSO look at getting PRE-APPROVED…that would have been a huge help. We had about 3 to 4 days before the surgery and had we started the pre-approval the scariness would not have been there. Would I recommend this insurance...YES!!! We have never had pet insurance BUT with having 4 dogs at various ages I believe we will be continuing our policies with Trupanion for years to come.
5

out of 5

POSTED: | BY: Maureen Patterson

great 1st experience

This was our first time submitting a claim and we were very pleased with the response. The people we spoke to were caring and knowledgeable and the claim was processed within 3 weeks. There was a little hiccup with Canadian/U.S. funds, but we were delighted to have this cleared up and receive payment for the difference within a few days. All in all we couldn't ask for better service. You guys really live up to your brochure!
5

out of 5

POSTED: | BY: MARILYN MCMANN

VERY PLEASED WITH SERVICE

I have never taken insurance out on my animals before, but when I adopted this cat and was told by the vet her breed although probably not pure. The details of the policy and at her young age I thought I would give it a try. When she became ill was glad I had. The promptness of looking after the claim has impressed me.
5

out of 5

POSTED: | BY: Annette

Best pet insurance ever!

I went with Trupanion after reading up on all my options-they are the BEST pet insurance there is. All my claims are promptly reviewed and I am reimbursed very quickly. I have filed several claims as my pet has many health issues and never once have I ever encountered a problem with Trupanion or had to fight to have a claim paid for. The customer service reps I speak with whenever I call are so caring and compassionate and are very knowledgeable. My insurance rates are more than reasonable, and with all of my pet's health issues, I sleep better at night knowing with Trupanion that I will never have to lose my pet because of inability to pay a large vet bill. I can not say enough wonderful things about Trupanion and how truly pleased I am with every aspect and dealing with their company. I would never recommend any other pet insurance to friends and family except Trupanion.
5

out of 5

POSTED: | BY: Sherry

Maya's Health Insurance

This is my 2nd claim in a couple of months. A couple of months ago she needed mouth surgery and 6 teeth removed along with other tests. The bill came to $1300 but I only had to pay about $256.00. My vet's office uses express claims and I did not have to lay out all that money and wait for a refund. I only paid my portion. This time around my cat was vomiting quite a bit and tests were taken. Her bill came to about $286.00 and with express claims I only had to lay out $78.00. I've had VPI in the past for several dogs and did not get much money back, but did pay more for the monthly premium as well. I'm thrilled with Trupanion so far and hope they continue to take care of us the way they are now.
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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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