Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,189

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: Olivia Barone

NUMBER 1 SCAMMERS!!

NUMBER 1 SCAMMERS!!! DONT EVER SIGN UP FOR THIS COMPANY THEY ARE ABSOLUTELY SCAMMERS THROUGH AND THROUGH
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1

out of 5

POSTED: | BY: Christina

NUMBER 1 SCAMMERS

NUMBER 1 SCAMMERS!!! DONT EVER SIGN UP FOR THIS COMPANY THEY ARE ABSOLUTELY SCAMMERS THROUGH AND THROUGH. Don’t ever trusted this company they will go back on their word and say they will protect you and your pet and then they will switch back on you
1

out of 5

POSTED: | BY: Eugene Trogan

After almost four years of paying…

After almost four years of paying Trupanion premiums for two dogs ,more than $6,000 in total , I finally submitted a claim when one of my dogs required medical attention. The claim was approximately $1,800, and Trupanion denied coverage based on their interpretation that three related medical issues required three separate deductibles. This is an unreasonable and misleading approach. The procedures involved the same surgery, the same anesthesia, and the same biopsy, yet Trupanion treated them as unrelated expenses solely to avoid payment. I was even advised that multiple tooth extractions performed during the same procedure it will be subject to separate deductibles. This defeats the entire purpose of pet insurance. After this experience, I immediately canceled my policy. My recommendation: read the fine print carefully and consider saving your money yourself. Based on my experience, Trupanion failed to provide the protection and reliability they advertise.
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2

out of 5

POSTED: | BY: Dom

I am extremely disappointed with dishonest renewal premiums

I am extremely disappointed with Trupanion Pet Insurance. The monthly premiums have always been expensive, but Trupanion has now increased my premium by approximately 25%. I was already paying about $150 per month for my two-year-old German Shepherd, and I have maintained coverage since we first brought him home. My new premium is now approximately $200 per month. The explanation I was given was that there had been too many claims and that the cost of my dog’s care had become too expensive for them. That is extremely frustrating because covering necessary medical procedures is the entire reason people purchase pet insurance. In my experience, Trupanion is happy to collect high monthly premiums and deductibles, but once the insurance is actually used, the customer can face a significant increase at renewal. This makes pet owners feel financially trapped at the exact moment they are trying to provide necessary care for their animals. Be cautious when reading reviews about Trupanion covering cancer treatments or other expensive procedures. They may pay eligible claims, but that does not mean your monthly premium will remain affordable afterward. My experience has been that once the claims became costly, the premium increased substantially. Charging nearly $200 per month to insure a two-year-old German Shepherd is extremely difficult to justify. Pet owners deserve transparent pricing and should not feel punished for using the coverage they have paid for. Shame on you, Trupanion.
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5

out of 5

POSTED: | BY: Amber Richard

Sargent Tibbs and Trupanion

Our Sargent Tibbs was a very affectionate cat with a bad habit of stealing his brother's food as well as people food. Cheese bread being his favorite. Unfortunately, this led to him blocking. With help from our vet, the animal hospital, and online help with a Trupanion rep, we were able to submit our claim to Trupanion and were covered for $10k+. We got 2 more years with him as a result until his passing in January of 2026.
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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, 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.

 

Provider website

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

Provider website

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