Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,139

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.
1

out of 5

POSTED: | BY: Phil

If I could give Trupanion a zero star I would

If I could give Trupanion a zero star rating I would. I have now been with them for 6 years and now that I actually need there services they won't pay out. My dog has had several yearly check ups and nothing was noted on her account for her teeth because it was never an issue. I have been apart of trupanion since 2020 and in 2021 she had a check up at the age of 4 where I was told she has mild tartar buildup. Nothing serious. Now she has a problem and needs teeth pulled but I was denied covered due to her having a pre-existing dental issue. (Which was not actually pre-existing) but because her first noted dental was 1 year after being insured by trupanion they go off of her first visit it's still classified as pre-existing. This makes absolutely zero sense that this would not be covered. Trupanion takes your money and uses every excuse in the book to not cover you and your pet. You're better off putting the $2000 a year away yourself for any issues your dog may have as I've spent nearly $14,000 with them and they have covered very little if anything at all. Save yourself the money and the headaches and DO NOT USE their services. I'm very disappointed in their service and would not recommend them to my worst enemy Do yourself and your dog a favour
1

out of 5

POSTED: | BY: Sonia Torres

Cost duplicated in 5yrs

I insured my pet under the understanding that they wont increase the cost given my dog age, coincedentally, as my dog gets older the premium has almost duplicated. Luckily in 5 years i never had to submit a claim so i cannot say wheter they do pay or no. For reference, this is what i paid for a mixed rottweiler since we got her at 2yrs old 2021-$109 2022-$110 2023-$124 (13% increase y/y) 2024-$157 (27% increase y/y) 2025-$188 (20% increas y/y) 2026-$220 (17% increas y/y) From 2021 to 2026 the insurance increased duplicdated (101%)
1

out of 5

POSTED: | BY: Sonia

Insurance cost duplicated

I insured my pet under the understanding that they wont increase the cost given my dog age, coincedentally, as my dog gets older the premium has almost duplicated. Luckily in 5 years i never had to submit a claim so i cannot say wheter they do pay or no. For reference, this is what i paid for a mixed rottweiler since we got her at 2yrs old 2021-$109 2022-$110 2023-$124 (13% increase y/y) 2024-$157 (27% increase y/y) 2025-$188 (20% increas y/y) 2026-$220 (17% increas y/y) From 2021 to 2026 the insurance increased duplicdated (101%)
1

out of 5

POSTED: | BY: parika rajput

I have been with trupanion for almost 5…

I have been with trupanion for almost 5 years and since last two years added my second cat to it. Touchwood I have never needed them. Every year they have increased the fee which I was fine with till I thought they would actually cover the cost when I actually need them but guess what? Today is that unfortunate day- The cost of the treatment is slightly above 1k and you know what they covered??? 184.94. As soon as I walk out of the ER today - m canceling my insurance.
1

out of 5

POSTED: | BY: Max Alexander

My dog got an eye infection and trupanion wouldn't cover the treatment

My dog got an eye infection - but Trupanion wouldn't cover it - because he had the infection once before we started with insurance. Calling it a pre-existing condition - despite him having received treatment and cured the infection. Anyone who has a dog knows that dogs can pick up new infections - they stick their noses in all kinds of things and pick up things from other dogs. health care for pets has gone through the roof as it has become big business - pet insurance is supposed to offer assistance - in exchange for your premium - they shouldn't be making up reasons not to pay for care.

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, diagnostic tests, medically-necessary hospital stays, and more. Once the deductible is met, Trupanion pays 90% of the remaining invoice, with unlimited payouts-always 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 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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