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.
1

out of 5

POSTED: | BY: Maggie

Why can anyone initiate a policy but only someone with a license can cancel one

I signed up my under 6 month old kitten on Saturday, on Sunday i was locked out of the website and had to call to get password reset even though I never had one. On Monday I finally got to read policy and after reading it, started looking up reviews and saw this company likes to use any excuse to call any condition pre-existing which is not the security I was seeking. I called right after reading policy on Monday (policy says total refund if canceled within 30 days). I was told someone licensed in this area must call me back to cancel maybe in a week. Very scary and now I still want pet insurance, but am afraid to sign with another company until this is resolved. I also tried to use a coupon that claimed it would reduce registration fee, but was told it wouldn't. It was also indicated that I should have been able to have month of coverage to read what the coverage was and decide with no charge since this is a kitten, but no go on that either. This is a public company and I suppose shareholders are far more important to them than clients or pets. I never made a claim thank goodness so the rest of this is not applicable.
5

out of 5

POSTED: | BY: Debbie

Trupanion is there when I need them

Trupanion is fantastic!! Whenever I have a question or concern, I know I can call Trupanion & one of their customer service reps will answer any & questions I have. I'm so very glad to have taken out pet insurance for my 2 years young puppy Becka.
5

out of 5

POSTED: | BY: Jenny

Fastest and most reliable pet insurance out there!

I've had Trupanion for years and it's given me amazing peace of mind when it comes to the financial burden of vet bills for my dog, especially in his senior years when the problems can really add up fast. They do a great job of providing fast and reliable service and I'm extremely happy with my choice to go with this pet insurance, I only wish I got it just a little sooner! Any future pets I have, it's Trupanion all the way. Keep up the great service.
5

out of 5

POSTED: | BY: Lisa

One of the best decisions we've made

This is a company that is true to its word. They have exceeded our expectations in so many ways. Their website is an accurate reflection of the high quality services they offer.
5

out of 5

POSTED: | BY: Lynda

Couldn’t have gotten him the surgery without Trupanion

My young dog needed bilateral knee surgery so that he would not develop debilitating arthritis as a result of his condition. Thanks to Trupanion payingnthe clinic directly I only had to come up with the deductible, tax and my 10%.
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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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