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.
3

out of 5

POSTED: | BY: Caressa Bradley

Love provider but cost for coverage is too high

I am now paying $73.53 per month which is ridiculous, thinking of cancelling. Would give a 10 overall rating but the cost brings it to a 6.
5

out of 5

POSTED: | BY: melody beaton

completely satisfied

extreamly happy with trupanion
5

out of 5

POSTED: | BY: Ronald Powell

Fantastic Service

We have a puppy that has addisons disease, and trupanion has been so wonderful through our trying times, they have always paid our claims within one week, and they send me emails to keep me abreast of the status of each claim submitted. I have the 90% plan and it is well worth it since Nala will be on medication for the rest of her life. Thank you Trupanion for being there for us.Ron and Deanna Powell
5

out of 5

POSTED: | BY: Theresa Davis

I give them A+++, great service! claims paid fast

My 12 year old yorkie, Shor-tee, has had this insurance several years. Recently he was very ill could not breath and had to have a tumor removed. It was benign thankfully. My vets office faxed in the claim forms and I got a very quick response that Trupanion was processing them. Within a week I got checks for over $2100 which was just a few hundred less than I paid. This was several trips to vet and 3 nights in emergency care so I am so thankful I had insurance. My Shor-tee is doing great now and is more spoiled than ever. He is part of my family.
5

out of 5

POSTED: | BY: Heather Black

Responsive. Caring. Fast claims processing.

Our 2nd claim. Our dog was diagnosed with bladder stones and needed surgery. I submitted a pre authorization request for a Monday surgery at 5pm central time on a Friday night and had a phone call and approval by 8pm. Fabulous. They worked with our vet to get all the required records and receipts and our checks arrived within a week. I received phonecalls, well wishes and even a follow up call to ask how she was doing after surgery. My dog is my baby, and having her sick and in surgery was traumatic enough for me. The one bright light was knowing Trupanion was there for us and the caring and responsive attention they gave to us. The entire process was seamless from start to finish. I enthusiastically recommend them to anyone and give them my thanks for taking such good care of Bea.
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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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