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: Katherine Poppy

Large Dog with Compromised Lived

We were terrified when our beloved dog, Pippin suddenly collapsed. It was clear that something was very very wrong. We immediately took her to the vet and found out that she had probably ingested something (but we will never really know) and was experiencing liver failure. This could have led to her death. The comfort of being able to tell our vets that Pippin had health insurance was huge and made a difference in her care. We had a perfect outcome. Our dog is well and it didn't break the bank. Who could ask for more?
5

out of 5

POSTED: | BY: Gayle Santone

Excellent coverage & customer service

Rating 10!!!!!! We have equal family members who are furry and walk on all fours, I believe a necessary & responsible component of pet enjoyment is having a solid pet insurance policy. Also helps me sleep a little easier. Rocky had knee surgery repair, twice, Trupanion claims are easy and reliable. He is advancing in age (aren't we all???) I wouldn't be able to make a choice on future treatments just based on cost, that would break my heart. Trupanion claims service demonstrated to me they truly CARE , which is sorely missing in healthcare these days. I recommend Trupanion, you will not be dissapointed!
5

out of 5

POSTED: | BY: Sarah

Excellent Experience

This is a copy of an email I sent directly to VetInsurance: I am almost two years late writing this email, but I hope better late than never! Our dog, Maverick, experienced a very sudden illness in December of 2011 and had to be hospitalized at the Atlantic Veterinary College in Prince Edward Island. We live in Halifax and had to leave him there and return home as it was Christmas time and we have four children. Maverick received incredible care while at the AVC; however, it was extremely expensive. During the time that we were making decisions on his case, I trusted that the policy we had for pet insurance through Trupanion (VetInsurance) was true to its word that there was no limit per condition. After a three week stay and a $15,000+ bill, we unfortunately lost Maverick to a cardiac arrest. It was devastating to our family. Once we got over the shock and sadness of losing him, I had to sit down and deal with the financial end of things. I was so absolutely relieved when I submitted my claim to Trupanion and they responded with an approval - no hassles or delays. During what was an extremely stressful time for us, both emotionally and financially, Trupanion put my mind to rest on the financial side of things right away. In particular, Brooke Pickett, if she is still there, was the person who helped me and she was wonderful. She was compassionate and caring and swift in her replies and action on our account. Everyone is always quick to send in the
5

out of 5

POSTED: | BY: Ron Clouner

GI Blockage in 17 month old Lab

My 17 month old Brainiac Lab Cooper for whatever reason (probably just lab) decided that a few rocks were as good a toy or treat as anything we could buy! So after they did not sit right and he started vomiting (foul smelling) food then liquid he we rush to the ER. There we discovered he had 2 rocks lodged in his large intestine. After discussing with the surgeon whether or not they would pass we elected to do surgery to remove them. 36 hours after the surgery he went home and the ER submitted the paper work to Trupanion. 1 1/2 weeks later I received an email stating the claim was processed and my check would be mailed, which I had in a week’s time after that.Yes, I would recommend Trupaion. What more can you ask than have a company stand behind you for all the things a lab can bring into your life.
5

out of 5

POSTED: | BY: Dawn Canavan

If your income is low you need Trupanion

I joined Trupanion 10 years ago for my Chihuahua Ebby. My income is low and I could not imagine losing her to sickness or injury due to my lack of money. As she has aged her premium has increased but so has my salary so I am still extremely appreciative of the benefits Trupanion offers and I have peace of mind and my baby girl is living privileged with health care. Health insurance is a must for every pet, especially if your income is low, consider having to make a choice to heal your pet or let her go........... I can find a dollar a day but not 20,000 dollars, just a thought, thanks you Trupanion for all your great service over the last decade from me and Ebby
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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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