Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,189

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: Annabel

I am so thankful I chose this company!

This company saved me! They are kind, compassionate and everything a insurance company should be. I switched from my old insurance company when I got my new dog because they were slow to pay and had very low maximums. My previous dog had no problems until the end of her life and the other insurance covered less than half of what we ended up paying. I almost didn't get insurance again because it hardly seemed worth it. But a friend told me about Trupanion so I decided to go with them. A totally unexpected life threatening illness brought me with my puppy to emergency. I was a complete mess and terrified I would lose my dog. Not only did Trupanion approve the claim within a coupe of hours - on a Saturday night! - they also asked the vet assistant to tele that they wished us all the best and were hoping for my puppy's recover. Both the veterinary nurse and I were in tears. She said "I have never heard that kind of thing from an insurance company." Fortunately she did recover although has some ongoing problems but they are manageable so far. I am so grateful to be with this company.
1

out of 5

POSTED: | BY: Robin

This company will find anyway possible to deny claims

For 6 years I paid THOUSANDS of dollars for full coverage with this company—I NEVER filed a single claim with them! They denied my one and only claim with them for a UTI in my 14yr dog. Their reasoning for denying this claim was because 7 gyears ago my dog had accute kidney failure (nothing to do with any sort of UTI). But because this company feels acute kidney failure, acute renal failure, abdominal urinalysis/blood values—are the same signes consistent with a UTI. They denied my claim for a common UTI 7 years later. Trupanion told me I could attempt to disbute their denial of my claim, but the representative said, “no one ever wins the disputes and I’ve never heard of them paying a denied claim”.
5

out of 5

POSTED: | BY: Claire

Always helpful prompt responses

Always helpful, prompt responses, they understand that my pet is not just a dog!
5

out of 5

POSTED: | BY: Jessica

The customer service is absolutely amazing!

The customer service is absolutely amazing! I have had nothing but good experience and the staff are always caring and supportive.
5

out of 5

POSTED: | BY: Jessica

The customer service is absolutely amazing!

The customer service is absolutely amazing! I have had nothing but good experience and the staff are always caring and supportive.
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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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