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: Nicky

Relief knowing we can afford the care needed!

We had never considered pet insurance before but felt we should research once our new pup, Kipper, came home with us. Trupanion seemed to have the coverage that suited our needs best. We found out that Kipper had severe hip dysplasia at 6 months of age. Knowing we had Trupanion, we didn’t hesitate getting the medical help and surgeries Kipper needed. What was even better for us is we didn’t have to pay the full surgery costs up front. Trupanion worked with the Pet hospital to cover their portion of the bill. A bigger relief yet! Thank you Trupanion!
5

out of 5

POSTED: | BY: Susan

Without Trupanion my dog would not be here anymore

Without Trupanion my dog quite literally would be gone. Max is a great dog but he has one bad habit. He eats socks. Now usually they come back one way or another but this time he got hold of my dress socks. So this time the sock got stuck in his lower bowel. I took him to the emergency vet (these things never seem to happen during regular business hours). First question from them was how was I paying. We didn’t have an emergency fund so our comes the credit card. Max needed surgery to remove the blockage or he would die. I asked the vet what happens if I can’t pay right away. She said he would be put down. At the time Max was 3 and a great dog except for this problem. Thank goodness for Trupanion. The procedure ending up costing over $3k of which we recouped almost all of it. Then the stupid dog did it again. And then a 3rd time while he still had staples from the 2nd surgery. For the 3rd surgery we had to go to Guelph university. All told, just for these procedures, we spent almost $10,000. Money we didn’t have. Yes he’s just a dog. But he is also family. Trupanion helps make difficult choices a bit easier. Max just turned 12 on Christmas Day and he is older slower and still amazing. Because of Trupanion we have had max for at least 8 more years.
5

out of 5

POSTED: | BY: Jeoff

Pleasant & friendly

Pleasant & friendly
5

out of 5

POSTED: | BY: Shona

Never Any Issues or Hassle

We have had Trupanion coverage for almost 12 years. While it doesn't cover normal treatments (vaccinations, dental care, spaying, etc.) it has been a life saver when our dog needed emergency care. Now that he is older (12), I would hate to be in the heart breaking position of having to put her down because I couldn't afford a treatment. The two times she had to be hospitalized in her life, Trupanion was a financial life saver.
3

out of 5

POSTED: | BY: Andrew

Very caring

The representative I spoke with was caring and very enjoyable to speak to in tough times. She directed me on how to fix my issue but was unable to do so herself.
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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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