Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,593

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.6
  • 4.8
  • 4.8
  • Count
  • 5
  • 544
  • 27,593

Updated: November 13, 2023

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: Marinela Angelica

THE ABSOLUTE WORST PET INSURANCE ON…

THE ABSOLUTE WORST PET INSURANCE ON EARTH!!! STAY AWAY!! THEY HAVE THE MOST RUDE AND CARELESS CUSTOMER SERVICE. THEY DON'T GIVE A CRAP ON YOU OR YOU PUP. THEY COULDN'T BR ANYMORE HORRIBLE AND RUDE!! NOT TO MENTION THAT THEY HAVE SKY ROCKETED PRICES!!! STAY AWAY FROM THESE GARBAGES!
5

out of 5

POSTED: | BY: Andrew Dyte

Thank You Trupanion

My Fiance and I cannot begin to explain our thanks and our immense gratitude for the continued support for our sweet little girl Jessie. She recently had what is hopefully her last spinal cord surgery to permantly repair her tethered cord syndrome. After 3 years of distress, major discomfort, and pretty much around the clock perpetual anxiety, Jessie is home healing and we're so over the moon happy she seems to be mostly ailment free. Without Trupanion helping us so much along our journey we wouldn't have been able to get this far, that's the hard truth. We don't have words for how much we want to thank Trupanion and its team for they're consistent financial support and compassion for our sweet pup. From the bottom of our hearts, our family's hearts and our incredible friends and support network, Thank you for everything you've helped us with. Love, Julie and Andrew
5

out of 5

POSTED: | BY: Linda P.

Very satisfying knowing that that Linda and Mia are feeling like family.

Very satisfying knowing that the customer services teams are really supportive and patient. They truly feel for our precious pet.Myself and Mia would like to express how grateful and amazing they are.Thank You very Much.
5

out of 5

POSTED: | BY: Gee Jay

Whenever I have a question they are…

Whenever I have a question they are very quick to respond. There's zero wait time and they always know how to handle the situation. No hassle ever.
1

out of 5

POSTED: | BY: Jane

Not worth it

I was with Trupanion for almost three years and the price isn't worth it at all. My monthly bill continues to increase without explanation. I've tried sending several claims in to cover some of the emerg visits I had with my dog and they keep finding reasons to either not pay or send barely anything back. It's not worth the cost. You're better off putting aside money than burning it with this company. On top of it all, you can only cancel your membership by calling in, and they left me on hold for over an hour. Save your money/time and go somewhere else

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 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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