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.
3

out of 5

POSTED: | BY: Arnold Moerth

We have been using Trupanion for years.

We have been using Trupanion for years. Recently we went from 0 to 300 and them1000$ deductible. But with rates continuing to increase 20% a year Truoanion is unaffordable for most. We love your service but costs are prohibitive.
3

out of 5

POSTED: | BY: Jillian Lobstein

My issue with the pre-approval process hasn't worked very smoothly at all.

This is the second pet I have had enrolled with Trupanion, and with each pet, the pre-approval process hasn't worked very smoothly at all. In fact, each time, the people I reached first by calling have not really seemed familiar with it. It's frustrating since it has been a very time-sensitive, life-threatening situation in each case. I would really like it if Trupanion could initiate getting some medical history at the time of enrollment instead of at the first claim to help expedite the process. I'm fortunate that I have had the resources available in each case to go ahead and get treatments started, but it is bothersome that the fact I had already initiated treatment seems to further complicate the process. My pet is already at the clinic in dire circumstances - am I supposed to have the pet discharged pending your collection of medical history and review of the treatment plan? It doesn't seem to make much sense from the client side, and it puts my pet's life at risk. Ultimately, coverage has been approved and is very helpful, but it has been very stressful at the outset when my mind is understandably focused only on helping my dog survive.
3

out of 5

POSTED: | BY: Dawna Greer

The premiums are rising

the premiums are rising to the point i will not be able to afford the insurance for my older dog-just when she really needs it-feel ripped off!!!
3

out of 5

POSTED: | BY: Arnold Moerth

We have been using Trupanion for years.

We have been using Trupanion for years. Recently we went from 0 to 300 and them1000$ deductible. But with rates continuing to increase 20% a year Truoanion is unaffordable for most. We love your service but costs are prohibitive.
4

out of 5

POSTED: | BY: Chelan Donaldson

Narin helped as much as he could by confirming that my last claim for Leroy is under review and I should hear something soon.

Narin helped as much as he could by confirming that my last claim for Leroy is under review and I should hear something soon.
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