Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,876

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: Tamar Eisenberg

If I could give no stars I would

If I could give no stars I would. I was just denied a claim, my dog is 14 and my premiums are $470 per month. This company is awful. My vet went to great lengths explaining and appealing Trupanions decision to deny and they refused. Now I’m in a complete bind. Do I cancel a policy now costing me $470 per month that I’ve been paying for, for 14 years or do I wing it and hope they won’t be this unreasonable and heartless if I file a claim which I have no doubt I will have to given her age. Disgusting and heart breaking.
1

out of 5

POSTED: | BY: Monique S

Scam!

This pet insurance company is great as long as you make no claims and just keep paying money. One of my pets had to have surgery for a non-preexisting condition and after getting pre-approved for the claim the pet insurance covers $45 out of $1900 wow great pet insurance. Do yourself a favor and save the monthly payment in an account for your pets at least the benefit will be greater than paying a large amount each year just to get back $45.
5

out of 5

POSTED: | BY: Jareth Darkholme

Easy On-boarding of our newest puppy

Such a simple process when I called in to add our second puppy to my account. They even added the Trupanion promotion that we received from our Breeder. The Representatives I talked to were sooooo nice and helpful. Since I already had an account they were easily able to find all my details making the process efficient and easy.
5

out of 5

POSTED: | BY: Sue Searr-Landriault

Always fast & friendly service

We've been with Trupanion since September 2021 and added a second pup in July 2023. When I have questions, I chat with friendly staff who are knowledgeable and I get answers quickly. Today, Amanda explained everything I needed to know about one of our French Bulldog's new medications that he will need for the rest of his days. She even offered to send me forms by email to save me time. I'm always satisfied when I contact Trupanion and they care about you and your pets. I am a very happy, satisfied customer.
5

out of 5

POSTED: | BY: Chris Alton

Experience was easy to navigate in…

Experience was easy to navigate in order to get coverage and cost I wanted at the time. This will assist should there be a need to use it. In doing so I have assured myself as well as my pets healthy future without worry of increasing vet bills

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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