Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,158

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: Ni

No sense of responsability and MEDIOCRE customer service

This company has been OK (no claims so far) until we had to update our credit card expiration date. After calling EACH month for FOUR months in a row because of payment issues, it appears that their system is unable to process credit card update!!!! Each month, i get messages from them threating to end the policy because the payment does not go through and each month i call back to do the payment with the exact same card that is on file and it goes perfectly fine. Customer service basically said there is no solution and they are looking into it but I, as a customer, have to provide them with another payment method and there is nothing they can do on their end. I disagree because ALL my bills, more than 10, go through the same card with automatic billing without any issue and I am not going to open another card just for Trupanion. I was then advised that I can end my policy at any time, which basically means, Trupanion doesn't care if I stay or not as customer. I had requested multiple times to speak with a supervisor but no one is available and I will only be called back in a week. I have not had to put in a claim but and honestly this whole incident does not inspire any trust in me. Trupanion does not have a sens of responsability toward their customers and I am definitely changing insurer for my dog.
5

out of 5

POSTED: | BY: Carmen

Ozzie

We did a live chat first. The representative was super helpful and answered all of my questions. We followed up with a phone call and she was very informative and pleasant! Coverage sounded awesome too
5

out of 5

POSTED: | BY: Susan

Super

Unfortunately, I've had to process quite a few claims - meaning my poor pet has been ill - and I've never had a problem. Trupanion comes through quickly with little effort required on my part. Highly recommend!
5

out of 5

POSTED: | BY: Victoria

Trupanion great

Signing up was very straightforward process… easy to understand and step through
5

out of 5

POSTED: | BY: Justin

Great Customer Service

Seamless process so far. Professional approach and recommended by our breeder and vet!
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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—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  
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