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: Michele T.

Quick and Painless Claim Processing

We have had Trupanion for our Cockapoo since she was 6 months old and we have had to file quite a few unexpected claims. More than we anticipated with new pet ownership, but always for minor illnesses. However this month we wound up in the Pet ER for ingestion of a foreign body and required x-rays and an ultrasound. Thank goodness we did not require surgery, but the cost of these services were not cheap. Trupanion was quick to process our claims, and we received our reimbursement checks within a few weeks. I couldn't be happier with the service provided by the Customer Service Staff or the claims processing. I would recommend Trupanion to any new or existing pet owner. We have saved ourselves a lot of money and have been able to provide the care I want for my dog without worrying about the cost of medical services.
1

out of 5

POSTED: | BY: jake

Trupanion is terrible

Trupanion is just like any human insurance company. When someone gets sick, they look for ways not to pay.
5

out of 5

POSTED: | BY: Sara

My dog has new legs thanks to Trupanion!

At one and a half years of age, my American Bulldog tore one of her cranial cruciate ligaments; the second one tore 6 months later, at which time both required surgical repair. A TPLO surgery costs around $3000-$4000 at most orthopedic specialists. Without Trupanion, I have no idea where I would have gotten the money to give my dog this much needed treatment. Thanks to her coverage, she had both legs repaired by a trustworthy specialist. I didn't have to price shop, or put off treating her problem due to lack of funds. Because her surgeries were largely covered, I was able to put my money towards a rehabilitation and physio therapy program, to ensure that her legs healed as well as they possibly could. Trupanion has continued to cover my dog's joint supplements, which she will be taking for life.This same dog also has ongoing skin allergies, and she suffers from urinary incontinence. She's a true lemon, but I love her. My dogs will never have to go without medical care, regardless of my bank account, thanks to their Trupanion policies. Obtaining pet insurance was the best decision I could have made when I got dogs!
5

out of 5

POSTED: | BY: George McNally

Bianca

Handled quickly. Was not aware of a fee that was not covered.
5

out of 5

POSTED: | BY: Jennifer Burke

Christmas Eve Chaos

Trupanion was amazing! They answered my call and my questions on Christmas Eve. A representative called later to answer any addition questions. The claim was resolved in less than 10 days. I am so pleased with our choice of pet insurance.
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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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