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: Erin Kilfoile

Amazing!

I rarely go online to rate companies, but I feel compelled to write one up for Trupanion as they have been nothing short of amazing!! Not too long after I picked up Minka from the breeder, she ingested a rather large seed from a coconut palm in my parents' backyard. The next morning when I woke up to take Minka on her morning walk, she seemed constipated and vomited and it looked as if her stomach was slightly distended. I immediately brought her to the vet who had to surgically remove the seed that had distended her stomach to three times it's size! The bill was huge (around $3k) and I wasn't sure that my Trupanion pet insurance had "kicked in" just yet. Fortunately, even though the insurance hadn't become active just yet, Trupanion paid for the surgery and I think I paid around $750, as I mentioned Trupanion didn't have to do that and I consider Trupanion an amazing company and highly recommend it to any pet owner!!
5

out of 5

POSTED: | BY: Sandy Gargiulo

great service

I would never be without Trupanion as long as we have our pup.
5

out of 5

POSTED: | BY: Katie Rogers

Trupanion is the "king" of pet insurance

I have two papillons which are both insured by Trupanion. Unfortunately, I tend to have bad luck....but I always know they have my back. Recently one of my girls had a very rare tendon avulsion in her hind leg. She needed lots of xrays and an extensive surgery done by a specialist. We used our credit card for the purchases (which was over 2 grand) and within NINE days We had our money back the full 90 percent. Not only have I had great experience on the money side with Trupanion, but I am big on over the phone service. In the five years that I have been with Trupanion, I have NEvER gotten someone rude or that didn't know their stuff. They truly want to help in the best way they can. I feel very secure with my choice of Trupanion years ago and would never change my mind.
5

out of 5

POSTED: | BY: Mary Ellen

Trupanion works hard to satify your claim.

A sudden illness called Pancreatitis fell upon one of our loving dogs. Having Trupanion on my side took the financial stress out of the entire ordeal. Trupanion offers ONE awesome plan which makes it all so easy. Most important is the fact that there is total communication between you, them and the vet. So reassuring. Truly, the most compassionate reps. I have ever dealt with in any Co. Thank you everyone at Trupanion.
5

out of 5

POSTED: | BY: Maple

Exceptional customer service!

When we first purchased pet insurance I was skeptical. I figured that we would pay into it for the life of our pet and never use or when we did need it, it would be difficult to collect. The idea of a costly vet bill in our time of need swayed my decision so I decided to sign up and "see what happens". Recently, our 4 year old Rottweiler underwent a surgical repair for a lameness in her leg. At our vets recommendation we opted for a procedure (TPLO) that would allow our dog to return to the standard of life that she had been accustom to. Our vet contacted Trupanion to ensure that the procedure was covered and within hours we were approved and scheduling her surgery date. Once the surgery was completed additional follow ups were required for laser treatments, all covered. We have since completed those follow ups and our pup is on the road to recovery. Aside from paying our initial deductible, all monetary transactions were made between our vet and Trupanion, making it extremely easy for us not having to prepare claims forms and expense lists. In fact, we even received a check for fees paid upfront prior to the approval for the surgery. All of our dealings with Trupanion were very pleasant and you could tell that the people on the other end of the phone have true passion for what they do and a love of animals. I strongly believe that they understand that a pet is not just a pet but a member of your family. I really cannot say enough great things about Trupa
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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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