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: natasha lohmus

understand that this is the best pet insurance com

very happy to have turpanion, got it because of a suggestion, and in the nick of time. i feel very lucky. never would have guessed my dog would be diagnosed with cancer, and it has allowed me to go through chemo. she is a great gsd, a very happy dog, always acting like a puppy, so it hit me very hard when she started to show symptoms and was diganosed. trupanion gave me hope and allowed me to save my friend. i just wish they covered horses too.
1

out of 5

POSTED: | BY: Linda

insurance coverage

This company is the worst trying to cancel pet insurance. I have been badgered and told untruths as to the refund of my insurance premium. They take the auto debit from my account every month, but when I want to cancel I was badgered and harrassed into being scared and my dogs were very unsafe not being insured. When I ultimately decided to cancel, I was forwarded an email to state that my cancellation would be effective a month from now. I immediately contacted Trupanion and was given such a run around and then finally told my check would be run and sent in the mail the next day (from Wednesday conversation to Thursday refund mailing). I called Friday and was told Oh gee, this is a strange one, it does not look like it has gone out yet. What is so strange about this one? Well it needs final approval. Excuse me, final approval? My money, my refund. Additionally, they have the capacity to debit your money in a minute but not refund the same way. Strange, after speaking with several banking institutions, if you have the capacity to debit, you have capaciaty to refund the same way, especially in this electronic date. I was told they don't have that. I find it strange that a larger company not have capacity to refund electronically but can receive payments electronically. Several friends who had pet insurance had the same problems with their respective companies they had for their pets. They refuse to refund your money or delay it so you will either forget or decide to ke
5

out of 5

POSTED: | BY: Debi Russ-Coachman

Life Saver

My puppy is 8 months old, she is an Affenpinscher, and weighs 3.4 lbs. On New Years Eve she jumped off the couch and broke her left front leg. I rushed her to her regular vet, and he recommended that I rush her to see an orthopedic vet. I did so, and she had surgery that night. Today 24 days after the accident, Wren is healing nicely, running after her brothers, but no more jumping off the couch, and I received my reimbursement from Trupanion late last week.
5

out of 5

POSTED: | BY: Daneen Nastars

Claim review

The process was easy and Trupanion did a great job communicating that they received the information and where they were in the process. I needed to send more information and they were very precise in what they needed and gave me a person to contact as well as an option to send the information via email which was helpful with my busy schedule.
5

out of 5

POSTED: | BY: Carol

Trupanion top choice!

Have never had a problem with any of the claims that i have needed to submit. From pancreatitis to dental surgery to hot spots, Trupanion has processed claims with no major issues. Been very lucky to have this policy.
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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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