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: Sarah

Couldn't ask for more

We have had such a wonderful experience with Trupanion thus far. The monthly fees for our cat have seemed reasonable. And they've more than paid for themselves. Our cat required several expensive procedures to remove almost half of her teeth due to resorption issues. That itself was stressful, as was the fear over whether we'd have a good experience with the insurance. We needn't have worried about that. Trupanion was very fast in responding to our pre-authorization requests (responding within the same day) when we explained the time-sensitive nature of our requests. And after submitting our claim forms, they indeed covered 90% of eligible expenses after the deductible. We received payment within a week or two of claim submission, as well. On top of that, every interaction I had with them over the phone was quite pleasant. In addition to discussing the details of the work our cat needed, they showed concern and always wished us and our cat well. That was a nice touch, on top of the already great service. This has been our only interaction with Trupanion over the 2 years or so we've had coverage, but based on this experience, we'd absolutely recommend them.
5

out of 5

POSTED: | BY: Jason Hunter

ACL surgery

My little girl had a tear in her left hind acl. Trupanion quickly accepted the claim. I was reimbursed all but my 10% copay within a week after her surgery. In all they covered $3300. Thank you Trupanion.
5

out of 5

POSTED: | BY: Patricia Wilcox

Fantastic

I have had many pets over the year, and paid huge bill when something went wrong. When I got a new puppy in July, I took advantage of a month of Trupanion from my vet. Within two weeks the pup had worms, and Trupanion paid 90% without batting an eye. I was sold, and continied the coverage. I also insured my six year old cat. After New years, my dog became very ill. He require multiple x-rays and Ultra sounds. Trupanion paid quickly, and even called to see how he was doing. I'm a fan!
4

out of 5

POSTED: | BY: Stacey Lyev

good experience

The only negative thing that i can say is that I didn't realize that they don't pay exam fees, even if it's for a sick visit. That being said, I was very happy with the service and plan coverage from Trupanion. I am just thankful that I didn't have a plan with a deductible otherwise I would not have gotten back that much. Trupanion does seem to be a service minded company and any time I have called with questions they have been very helpful. They were great at staying in touch with us via email to let us know that our claim was being processed and even did direct deposit of the claim money to our checking account. Getting 90% back is a relief.
5

out of 5

POSTED: | BY: amy

great insurance

We got Trupanion when we got a puppy almost 4 years ago. They have been really great with reimbursement. The premium is now about 50 dollars a month but that includes a special rider for hip dysplasia. Our dog is very playful and curious so she tends to find trouble and on top of that she is sensitive to many products. To make a long story short she was been to the vet many vet times. Each time we have submitted a claim and got 90percent reimbursement. They are fast and friendly. I highly recommend them to folks who have dogs like ours.
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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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