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: Shannon

Great Customer Service

I have 2 dogs under this co. The CS is awesome. If you have a question, they'll email you back ASAP. Usually within minutes. They have worked with us when we were behind payments. They let you know when a claim is bring processed. My only two complaints are dental (regular updates) aren't included...and the claim refunds take a little time to actually get back to you, as well as pre-approvals.... Otherwise they are great!
5

out of 5

POSTED: | BY: Sharon Pliler

Pet Insurance

Trupanion has been very helpful and quick to respond. Every time I have a question Trupanion has been helpful and very caring. Sometimes I have trouble figuring out the invoices but a quick call clears up any questions I have.
5

out of 5

POSTED: | BY: Donald Albert

excellent

Very happy with your insurance program. Very efficient.
5

out of 5

POSTED: | BY: Wil and

Plural asperated pneumonia

On November 23, 2013 at 2:30am Bulldozer our 7 month old Rottweiler vomited in his crate. We got up with him cleaned his crate and didn't put him back in it that night. By 5:30am my husband woke me up and said the puppy didn't seem well. We took him to the care centre in Calgary we weren't sure at that point if it had been something he ate as he eats anything and everything. By the evening of November 23 they had diagnosed him with aspirated pneumonia his lungs were a mess the X-ray showed them both to be almost completely white they inserted chest tubes in both sides by the Sunday night it looked like we may lose him he did make it through the night at which point the Doctors still were not sure how he would be or if he was strong enough to survive. The staff at the care centre were amazing his primary physician is Dr. Lisa Shearer who has been amazing. Trupanion approved his treatment it has been over $40,000 so far without the trupanion and the amazing staff we would have had to put our Bulldozer to sleep. He is home now and still on antibiotics which he will be for awhile and his care is on going.
5

out of 5

POSTED: | BY: Jessie

Imsurance for 9 week old puppy

It's been about a year and half since I got my 9 week old Labradoodle and I signed up for Trupanion right away. At first I wasn't sure about insurance but thought I wouldn't want money to be the reason why I couldn't help him if he needed it. I went with Trupanion because of their flexibility and their coverage options. When my dog was nearly 4 months old we found out that he had a growth problem and a few months later we found out he had hip dysplasia. We got him from an excellent breeder and as much as we thought he would be healthy you never know with mother nature. Words can't describe the support we have received from Trupanion and what they have provided my dog. They have been very cooperative with me and my vet's office and I know that today my dog is living the best life and I know that he will continue to have that support for the rest of his life.
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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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