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: Meagan

Absolutely Amazing

My 8 months old puppy was admitted to an emergency vet with a collapsed lung. I was in a panic and forgot I had signed up for a Trupanion trial. The next day I contacted Trupanion and spoke with a wonderful representative who was so caring and took the time to ask how I was and my dog which I sincerely appreciated. I asked if my trial was still active, which it was, and moved forward with continuing my coverage. I also explained the current medical situation and my representative jumped on it so quickly. The whole process was smooth and painless and my dog was in surgery before I new it getting taken care of. Trupanion and the vets I used were absolutely amazing and I could not have asked for a better outcome. I strongly encourage you to use Trupanion!
5

out of 5

POSTED: | BY: Lynne Whidden

5 Stars All The Way!!!!!

5 Stars All The Way!!!!! Our little Toy Poodle, Maggie, was becoming lethargic and not eating properly. A once very active, happy little dog, she would look at us as if to say, "I'd love to come play with you but I'm not feeling well". A vet visit, which led to x-ray, which led to ultra-sound proved that Maggie required surgery to remove a sludge filled gall bladder. Trupanion came thru completely! There was no paperwork required on my end. The vet hospitals emailed Trupanion the bills (I paid in advance) and within 24 hours I received emails from Trupanion that the claims were approved and a cheque was submitted. THAT EASY!!! But even better than the ease of payment and approval is the life of Maggie, who is back to her playful, full of energy little dog. Without Trupanion to help us with the cost of surgery, we may have had to make a very difficult decision as her health would have worsened (thankfully I don't have to think of that). I can't say enough about this insurance company and have shared with all of my family and friends.....if you get a pet, get Trupanion Pet Insurance!!!! THANK YOU Trupanion from Maggie and us!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Barbara

Quick response time in paying claims

Our Blaze has been on regular monthly injections after being injured. All claims are paid and quickly too.
5

out of 5

POSTED: | BY: Ashlee

Unlimited payouts, fast response time for claims

Trupanion is very quick with claims. I hear back within a few minutes and so far have had a great experience submitting claims for my bulldog puppy. So far she has been covered for everything related to her Urinary tract infection. Other companies will limit the amount they pay out but this one doesn't its just one deductible per condition. Highly recommend!
5

out of 5

POSTED: | BY: Jaime

BEST COMPANY OUT THERE!

Fantastic company! One deductible per medical condition, no limits annually or lifetime. If you have a "lemon" of a pet and have to claim often, they sympathize and stick with the 90/10 rather than adjust your co-pay because you are claiming so often. This is the fine print that other companies don't tell you about! I've spent close to 10,000 due to my dog's progressive disc disease. Having Trupanion had allowed me to spend another year with my girl. Insurance = smart - planning for the uh-oh. More time with my girl = priceless.
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