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: Brian Kintz/Tiffany

Trupanion Fast, Excellent Service

Our little 4 month old Lynx, who is the cutest little Brown Tabby ever wasn't eating, drinking and was very lethargic. Two days previously he had diarrhea so the local animal hospital said to bring him in immediately. We only had him for two weeks and his 30 day free trial had barely begun. Trupanion paid our claim immediately with so little hassle, it was WONDERFUL. I wish human insurance was this customer service oriented! It is truly fantastic to know you don't have to make hard decisions when it comes to your loved pets and best friends...having both of our kittens insured is the best thing ever. Thanks Trupanion!
5

out of 5

POSTED: | BY: Carol Petersen

Trupanion is the Best! In my opinion...

First of all... Trupanion actually cares by calling/emailing to see how my dog is doing. They cover so much and happy to help. Second... who else gives a reduction in price? It was small but much appreciated. I am a responsible pet owner that feels this is just as important as good food.
5

out of 5

POSTED: | BY: Dawn Furin

Best Experience Ever!

Our 10 month, 3 pound toy poodle Aspen had to have 12 of her baby teeth extracted because they weren't falling out on their own. My vet submitted the claim to Trupanion and within a few days I got an email from Trupanion saying it was being processed. Two weeks later we received a check for exactly the amount we expected (90% less the deductible). This is the first time we've ever bought pet insurance and I'm glad we did - it was definitely worth it!
5

out of 5

POSTED: | BY: Alan

Amazing service. 48hr turn around for claim

They have been excellent over the years, with multiple claims. Make sure you read the policy first, and know what they'll pay for, but they are very quick to approve and pay. Premiums have inched up, with one major jump over the past six years, but I find them highly reasonable and generally a pleasure to deal with.
5

out of 5

POSTED: | BY: Sarah

Wonderful!

My poor dog Sampson required major orthopedic surgery on his wrist. Not only was his surgery covered, but so was his medications and bandage changes too. Trupanion has made it so easy to get pre-approval for the surgery, and to submit claims and get my questions answered.
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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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