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 Zomparelli

Great Service

Claims reviewed in a very timely manner...they keep you informed at all stages of claim review- great service no issues to date, have had my cats insued with Trupanion for 6 years!
4

out of 5

POSTED: | BY: Shirley email.

Examination Coverage why not?

I agree that Truepanion s great when I had my two claims over the last 9 years. However I also think it would be so nice to have the exam covered. I am curious to know why it is easy clouded from their coverage. S.
5

out of 5

POSTED: | BY: B

Great company

Impressed with the coverage, so glad we have it. Our beautiful persian will need lots of tests and monitoring and the coverage will look after the majority of the costs. Very quick response to claims for reimbursement. Good job!
5

out of 5

POSTED: | BY: Larry Purcell

Trupanion Review

We own Chelsea, a 10 year old Golden Retriever and purchased pet insurance within a few weeks of getting her as a puppy. Although we had owned dogs before and never encountered any serious medical injuries or illnesses, we have had numerous occasions to submit claims for Chelsea. When she was about 1 1/2, she had an accident while running on the beach and was diagnosed with a right medial patellar luxation and surgery was performed at the Atlantic Veterinary College. After the surgery, she attended physiotherapy for several weeks. The total cost for this was over $7,000.00 and pursuant to the terms of our insurance, 90% was paid by Trupanion. Chelsea later had to have surgery for gastric dilatation/volvulus which cost over $2,000.00 and she now has arthritis and thyroid issues so we are very thankful that we have the pet insurance in place. My daughter recently became the owner of a Nova Scotia Duck Tolling Retriever puppy and immediately enrolled in an insurance plan for him. I believe that when you own a pet you take on the responsibility for looking after the pet and attending to any medical issues that may arise and, for us, paying the monthly insurance premium is preferable to facing bills of several thousand dollars at one time. Trupanion has always paid our claims as set out in the policy and has done so in a timely manner.
5

out of 5

POSTED: | BY: Jessica

Trustfull

Quick pre approvals Great service They won't let u down
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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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