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: Ariesse

Awesome - fast and friendly!

This is probably the best thing I could've gotten for our dog. If we never had trupanion, I'm sure I wouldn't be writing this review/survey. Asides from increasing premium from date of signing up, everything else is great and I would've given a 10.
5

out of 5

POSTED: | BY: Sharon Andres

Absolutely Fabulous

Dog got bronchitis -- took her to the vet at 4 pm. Vet's office filed Claim for me with Trupanion. That evening I had a call from Trupanion confirming a couple of things. email immediately followed outlining the coverage, which was exactly as described when I purchased the insurance. Check arrived a few days later. Needed a second round of antibiotics. Office filed claim again. Quickly received email and a few days later--payment for the pills. I wish my own medical care was this efficient and prompt!!
5

out of 5

POSTED: | BY: Judy McGrath

Refund after teeth extractions

My dog had to have teeth extractions related to gum disease. Once I submitted my claim, Trupanion kept me informed about my claim and refunded me promptly after they had followed up on my dogs history and treatment.
5

out of 5

POSTED: | BY: Matt Perrapato

Mya and Trupanion in lock step

Mya went in for a tumor removal from her paw and while under anesthesia she started having heart arrhythmias and had to have the drug reversed. Trupanion still covered the drugs and treatment even though they never removed the tumor and also covered Mya to see a cardiologist. Trupanion has been literally life saving as well as made this tough time manageable as well as showed that they truly care about Our dogs well being. Again Stella from Trupanion has treated us like family and we could not be happier. Could not ask for a better company to be handling such crucial matters. Truly the best!!
5

out of 5

POSTED: | BY: Troy Ash

Truly Outstanding

I work for a large health insurance administrator so I'm familiar with and was expecting the usual 'insurance company runaround' when it came time to submit my dog's $2,100 cancer claim. Boy was I surprised to get the notification that my claim was approved and the check was on its way just two weeks after submitting the paperwork. This is the best customer service and claim processing I've seen in over 12 years in the industry -- bravo Trupanion!!!
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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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