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: Camilo

Trupanion made it happen!

My buddy Tino tore a ligament in his knee,...the surgery would cost about $4000, money that i dont have. As much as the vet resisted accepting receiving payment directly from Trupanion through their Claims Express, the Trupanion reps made every effort to assure them they would receive payment and convinced the vet to take it and go ahead with the procedure! Thanks to Trupanion Tino is on the road to recovery!
1

out of 5

POSTED: | BY: Desiree Cartwright

Horrible mistake of a company

This company takes a long time to process claims then do all they can to not pay them. Our pet was cryptorchid (testicles did not drop). The vet said they had to go in and remove them or it could cause cancer. It was a complicated surgery but they found them and my dog is fine now. Trupanion refused the claim saying it was just spay/neuter and they don't cover that. The fact that it cost much more than spay/neuter due to the complicated surgery didn't matter to them. They also turned down a claim to an emergency vet for an injured foot because it was an 'exam'. It would be hard for them to determine what was injured without the exam. I then tried to cancel and they won't even do that. They say someone will have to call me back but , you guessed it, they have not called back. Save your money and avoid this company at all cost!
5

out of 5

POSTED: | BY: Shirley Silveira

Great plan

I am so happy to have purchased a health plan for my puppy Sookie. You never expect an emergency but when it happens you will pay anything to get your baby taken care of. I had acclaim that cost nearly $2000.00 and thanks to Trupanion I got a good portion of that back. I am so happy that Trupanion really does take care of your pets.
5

out of 5

POSTED: | BY: melissa steele

I am so glad my Vet recommended Trupanion!

My Vet recommended Trupanion to me when I decided to get Pet insurance. Our cat is like family and we will do what is needed and reasonable to keep him healthy.Trupanion has been very helpful and professional from the time I signed up to the time of submission and processing of claims. I suggest Turpanion to my family, friends and others I meet who have pets. Thank you Trupanion for outstanding customer service and professionalism!
5

out of 5

POSTED: | BY: Deb

Amazing!

My boy cat Sam started looking terrible a few years ago. We had him insured along with my other cat. We took him to the vet and after some expensive tests and an afternoon stay, we found out he was a diabetic cat! I sent in the claims to my insurance and was amazed at not only how quickly they responded with reimbursement but also notes saying thank you for taking good care of him and asking how he was, and most importantly, the coverage was better than my own health care!! Since that 1st claim I have had to make many more for syringes and insulin and the system for claims in upgraded from checks in the mail to direct deposit. It's great. I know when my kitties get sick, I won't have to have that extra worry of how to pay for it. It will be covered and covered immediately.
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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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