Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,603

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.6
  • 4.8
  • 4.8
  • Count
  • 5
  • 507
  • 27,603

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.
5

out of 5

POSTED: | BY: Lydia Periard

Don't fret, protect your pet

One day, everything was fine. The next, not so much. 7 year old Boxer who's mysterious eye ulcer nearly took her eye. Thanks to Trupanion and Alta Vista Animal Hospital, we left with two eyes, and a happy girl! What could have been an almost 10k in vet bells, became much more affordable. They even paid Alta Vista directly, so I only paid my share. Insurance is expensive but emergency vet bills are worse. No one's better than Trupanion.
5

out of 5

VETERINARIAN: Centredmvet Montreal (Lachine)

POSTED: | BY: Connie White Tabbert

Only the best for my Tatty

Any time I have had questions regarding Tatty's insurance, the representative has been courteous and answered all my questions and waylaid my fears. As for the veterinarian clinic... WOW.. staff are so kind and helpful. They explained everything that was going on, as well what was happening to Tatty.
3

out of 5

POSTED: | BY: Kevin Grant

No pet name tag sent out!!!

We never had pet insurance before but we decided to get it with our new kitten. Shortly after enrolling, his little name tag gift from TP arrived (Jan2023). We added a second furbaby, enrolled with TP, and in Mar2023 his name tag gift arrived. We added one last kitty, enrolled with TP but no name tag gift arrived. We called in early July2023, they said it will mailed soon. Called again in Sept2023 and Nov2023. Various excuses, not sure why it hasn't arrived, etc. but they said it will be mailed out. Called again (4th time) on Jan 2/24, and the agent didn't seem too sure, thinks they stopped sending name tags out since June2023, and doesn't think they are going to do it anymore. Disappointed it took 4 calls over 6 months to (maybe) get an answer. Not sure why during the first 3 calls no one mentioned this. It's not about the price because we can purchase and engrave his name on a tag. We just wanted all 3 boys to have the same design. I don't think they will know but mom and dad know.
5

out of 5

POSTED: | BY: Larry Herscu

Great experience

My vet located 5 lumps on my 5yrs old Bernadoddle. We had them removed, 4 were sists and 1 was a benign tumor. Trupanion was amazing, paid the vet directly and cover 2/3 of the bill. I'm so happy we have their insurance.
5

out of 5

POSTED: | BY: Sue Russell

When hugs and belly rubs aren't enough

Owning a boxer means medical bills are a fact of life. Trupanion provides the most coverage possible for acute and chronic conditions. Yes the monthly fees can be high, even with a high deductible, however the responsiveness for reimbursement and direct vet billing outweighs that. My most recent $5000 experience involved an endoscopy, ultrasound, xray and labwork followed by many months of $380/month medications in addition to prescription food. He's not yet 3 and I am sure as with my other boxer, he will be the vet loving creature that she was! It's a no brainer if you are considering and can afford insurance.

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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