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: Jessica Wood

Extremely friendly and incredibly efficient

I truly cannot say enough good things about Trupanion and their care. In the beginning stages when I was weighing out my options, their customer service was the fastest, the most straightforward in answering questions, and answered what I asked with honesty--not trying to swindle me. I recently called regarding my pup Finnigan's diagnosis of Pneumonia (I did not intend to claim for it because I figured they wouldn't cover it) and she urged me to put a claim in. Every time I call with a question they give me all the information I could ask for and phrase it very simply. They are incredibly speedy with their processing times, it was my first claim and I had my response and money back within about a week and a half. I got everything back aside from the vet check fee (which they don't cover) and all I had to pay was my $200 deposit. The costly xrays and diagnostics and meds were all paid for. Their prices are fair and their services are clear. I truly appreciate them as a company and will definitely continue to suggest them to others.
5

out of 5

POSTED: | BY: janet ortis

$40,000.00 saved with Life saving policy

Our beloved doberman Justice developed idiopathic epilepsy at age 3 years, 6 months. His condition has progressively worsened, requiring many expensive diagnostic studies. His medication bill alone is in excess of $10,000.00 annually. His epilepsy is now manageable, and now Justice lives a happy active life with very little disruption from the excessive seizures he was experiencing. Justice's treatment has cost over $50,000.00 so far. We would not have been able to afford to keep Justice alive were it not for the Trupanion pet health insurance policy. The premium cost around $1500.00 per year. The claims are always processed and paid promptly without any delay or problem.
4

out of 5

POSTED: | BY: Jackie

Trupanion was always very good with all…

Trupanion was always very good with all of my claims except one. I believe it was the judgement of one employee that caused a lot of heartache for me. The dispute was resolved through a third party review in my favour and I have since insured my two new pets with Trupanion and I would recommend them to everyone. Just know all your options if you don't agree with a claim.
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5

out of 5

POSTED: | BY: Sue Holt

Professional

We haven't had to put in any claims since we began with Trupanion. However, I feel that if we did, we would be treated fairly, quickly and with respect and professionalism
5

out of 5

POSTED: | BY: Victoria

Great customer service!

On the phone the customer support is always excellent and friendly! Thanks so much
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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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