Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,874

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 4.6
  • 4.8
  • Count
  • 6
  • 225
  • 25,874

Updated: May 29, 2024

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: Bruce Roberts

Terrible run

They do everything possible to avoid paying. Er visit dog choked on bone.....oh sorry it's a visit and we don't cover that....ummm it's an er visit not planned...nope. oh and you tried a hypo allergetic food....so 2yrs later your dog has allergies...yeah no we won't cover it. It's not worth it. They go so hard w not covering you it is better to take a loan and pay that off. I seriously have to tell you they are scammers and will stop at nothing to prevent paying. And it's 500 deductible all the time plus no visit is paid for regardless.
5

out of 5

POSTED: | BY: Tracy Nosaluk

In memory of my Lincoln !

Last year unfortunately I had to say good bye to the best dog I’ve ever had in my life !He suffered a horrible injury yo his spine ,we did everything our trusted vet suggested from laser therapy ,cat scan ,different meds .He was never to regain his continence .I was shattered but through it all trupanion had my back making these expensive tests affordable to try absolutely everything we could for him ! I’m still so sad my heart aches however I have a niece now of my late boy ! She’s keeping me busy and healing my heart ,right away we never hesitated and signed her up at 7 weeks old right after we brought her home For anyone on the fence about pet insurance don’t hesitate please get them covered as they all deserve the very best we can humanly do for them as they are part of our family .Thank you Trupanion for being so supportive and I never worried about $ I could focus ALL my attention on helping my baby boy and when it was all said and done they were still here supporting me ! Heartfelt Thank you Trupanion ❤️🦴🐾
1

out of 5

POSTED: | BY: Kevin BRYAN

I researched all insurance options for…

I researched all insurance options for our puppy and Trupanion was the best. We signed up and started paying our monthly amount. I recommended Trupanion to friends and family. Then came the price increases, after year 1 a $10/month increase, now this year will go up $20/month. I have been told it is due to inflation, but I have not received a 50% raise in the past 2 years. After almost a hour on the phone, they told me is to raise my deductible to lower the monthly, not what I signed up for.
1

out of 5

POSTED: | BY: Michael Brown

We have been with Trupanion for over 12…

We have been with Trupanion for over 12 years and it has become a horrible company. All they do is pay you lipservice while denying everything. We had a number of claims that were submitted before the procedures and they refused to pay anything hiding behind their deductibles and co-pay. When contacted all we got was lip surface and doublespeak from the script that the people read. I wish that I had never brought my pets to them and had gotten another provider because they are an absolute terrible company.
1

out of 5

POSTED: | BY: ChRoNiC

The most Shady and unreliable service…

The most Shady and unreliable service ever. You are better off saving the $75/month yourself. Deductible is insanely high and they scrounge as much as they can. Customer service is horrible aswell. Bunch of snakes. 🐍

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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