Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

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:

I have always felt secure that if anything happened to Cadbury I could do whatever was necessary to help him.

I have always felt secure that if anything happened to Cadbury I could do whatever was necessary to help him. Then when he was hurt and a small claim was made there were no problems just quick solutions. I could now afford any problems Cadbury might have but when he was a baby I didn’t have that much money. I could not bear not doing everything I can for him. He is now 14 and that peace of mi d has always been with me. Thank you for the valuable service you provide. I often recommend Trupanion.
5

out of 5

POSTED: | BY:

Cheri was wonderful and it was a painless experience!

Cheri was wonderful, and it was a painless experience!
5

out of 5

POSTED: | BY: Robyn Knox

It's worth it!

While the monthly fee seems costly when your pet doesn't have any issues, the minute something comes up, and there usually will be something that comes up at some point during your pet's life, you'll be so glad to have pet insurance, and to have chosen Trupanion. It's very easy to submit and track claims, and their support is top notch. You'll be thankful to have it when you need it.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Liliane Dubois-esnard

Peace of mind

Peace of mind, knowing your pet is well protected and you do not have to mortgage your house.
Read more on Trustpilot
2

out of 5

POSTED: | BY: Sharon Foster

I would not give these people a dime…

I would not give these people a dime for pet Insurance. After being with Trupanion for 7 years and 32000,00 dollars later they would not cover my dog's first ever claim. At first it was a success and I would have highly recommend them bei g they were there for my first dog, but after 7 years of dedication to their insurance for my pets and thousands of dollars later I sent in a claim for I e of my dog's who by the way I never sent in any big claim on her just odd medication and little thing's but when it came down to a big claim they refused my claim. Now I knew I was covered being it was in my claim but I thought I better call just to check make sure it was correct. Well according to my records and theirs I was. So I sent my first claim in and they refused it and when I confronted them on it they would not even consider covering my claim, I was a bit angry and disappointed with their desision and how they handled the whole situation so I decided it was time to cancel and find a new and better company. You would think after 7 years and 32000,00 later they would cover 500.00 dollars worth but nope they didn't and to top it off I praised them up and told everyone I knew about them and I am well known in the animal industry let's just put that out there as well. Well I am sorry now and they also decided to put my rates up to 80.00 within 3 months for both animals I had covered and kept going up and up. Another fault in their behalf.
Read more on Trustpilot
Please leave a review

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 Canada Pet Insurance detail
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

Get a quote today

Leave a review