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: Alex Degen

Training

In purchasing the coverage it should be explained to the customer the extra rider to cover therapy and post surgery therapy. Or at least include the coverage with breads that are prone to surgical procedures
5

out of 5

POSTED: | BY: Cheryl Bishop

Great Peace of Mind

I previously had an adopted dog who developed severe orthopedic problems. The cost of physical therapy and other rehab. services just about 'broke the bank.' I swore that my next dog would have health insurance. After looking at multiple companies, I choose Trupanion. So far we haven't had any major health problems but Trupanion does pay 90% of the monthly cost of her eye drops for allergic conjunctivitus.I know that if she ever has a medical emergency or needs long term rehab services that Trupanion will be there so my girl can get the treatment she so rightly deserves.
5

out of 5

POSTED: | BY: James Schmook

Excellent service and responsiveness

Our 2 year old Coton de Tulear started shivering one night, and the next day it had not subsided. We wnt to our vet's office and they ran some tests to determine the problem. They found no specific issue, and recommended we take Tully to have a ultrasound exam. This also came back negative, and within about 2 or 3 days he recovered, with the help of some medication and digestive-problem dog food from the vet. Trupanion kept us informed daily as to the status of our claims and within just a week or so repaid us for the vet and ultrasound bills. We are very pleased with their service and their rapid responsiveness. Highly recommend them for any dog owner wanting to get the best care for their pet.
5

out of 5

POSTED: | BY: Keky Duren

Amazing assistance with pet euthanization

We were struggling financially, due to the fact that we had just spent every last dime on trying to save our beloved 11 year old pug Henry. With no energy to talk or fight, Trupanion stepped in and made phones calls on my behalf. In less than half a day, I was informed that I could not only recieve financial assistance but that someone was going to come to my home and perform the euthanization. It made everything easier on me and my family and though it was the worst thing I've had to do in a long long time...without Trupanion and Kristen I would've been lost. I can't thank them enough or tell them how grateful we all are for their efforts. I am in their debt...thank you
3

out of 5

POSTED: | BY: Mrs. Lenora

surgery

my dog was approved for surgery at primary vet. when vet saw the extent of the injury,thankfully he said he was not qualified to do the surgery and sent us directly to trauma vet. trupanion did not want to pay because they had not approved for this vet to do surgery. thank God we didn't answer cell phone as we were driving and kept on to trauma vets office. we waited 41/2 hrs, with tru panion and the vets office telling them how badly she needed the surgery. they kept refusing, but after 4 hrs they relented and ok'd the surgery. we were all at our wits end by then. I am torn as to whether I would recommend them to anyone because of this. but they did ok surgery and gave me the amount I would be paying right away, so that was a positive in their favor.
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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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