Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,147

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: Fenton Williams

Great Pet Insurance! You Won't Regret It!

This review comes from the heart and I mean every word I write. We adopted a new puppy about 6 months old a couple of years ago, and enrolled our new bundle of joy with Trupanion. Unfortunately our newest addition to the family got into some trouble soon after she was enrolled and broke her ulna and radius clean through on one of her front legs. When this happened, my heart sank because the Veterinarian advised that she would need to be getting a plate and pins to fix the break. I assumed that because I had just purchased the insurance, she would be declined. Most insurance policies have a 15 day waiting period before the insurance covers anything. However, when I took another look at the policy, it said that for accidents the waiting period was only 5 days! It turned out that our dog had passed the waiting period by just a few days and Trupanion approved the claim. After that it was smooth sailing as our dog was referred to a specialist orthopedic surgeon who conducted the surgery to place the plate and screws to hold both bones back together. It was a successful surgery and although she was in a heavily bandaged leg for quite some time as the bones healed, today almost two years later you would never know she had ever broken a bone. It was expensive, but Trupanion covered 90% of the cost paid directly to the Vet, while I covered 10% and a small deductible. I have never been so happy with a pet insurance company as I am with Trupanion. In addition, two years later while conducting an annual review of my premiums, Trupanion actually LOWERED the monthly premium for our dog! They base the premium at renewal on the age of the dog when it was first enrolled, not the age it is now! Great company, highly recommended. No other comes close.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Moreen

Amazing customer service

Amazing customer service, and compassion. I've been paying premiums for 4 years, and had a few questions here and there. This summer however my fur baby was diagnosed with pancreatitis and almost died. He spent 5 days in ICU. I didn't have to think twice about saying do whatever you have to, to take care of my boy. Thank you Trupanion!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Kristi

Very Thankful!

It was very reassuring to know I had monetary support to give Bella the best care when she was ill!
5

out of 5

POSTED: | BY: Chris

Very easy to submit claims and trupanion is very good at keeping me updated on the process

Very easy to submit claims and trupanion is very good at keeping me updated on the process
5

out of 5

POSTED: | BY: Dwayne

Very courteous and willing to help

Very courteous and willing to help
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