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: H

A must for your pets!!

My cat was diagnosed with a tumor in his nasal passage. Trupanion was an absolute blessing. So far my cat has undergone 2 ct scans, testing and 6 radiation treatments. All of this has been possible because of Trupanion's help. They have been there every step of the way and provided payment on the claim within 10 days at the most. Their help and support made the whole situation easy in a stressful time. I have been a customer for 7+ years and as long as I have pets I will continue to be a customer. Thank you Trupanion for all you do!!
5

out of 5

POSTED: | BY: Erin

BEST insurance

Always extremely helpful client service, no caps, quick claim process, great direct pay for emergency claims. I have insured my cat, dogs, parents cat & dog, and sisters cat. Best gift :)
5

out of 5

POSTED: | BY: Monica

Always the best

Trupanion has always been helpful to me and my furry baby!! I am glad I choose such a wonderful protection plan for my dog!! It makes me sleep sound , because I know trupanion is always there for our family!!
5

out of 5

POSTED: | BY: Naomi

Quick to Review and Respond

Recently we discovered a small lump in our labs mouth. It turned out to be a mast cell tumor. We did testing to make sure it hadn't spread. Trupanion was amazing and quick to deal with. Our vet direct bills so they deal with all the claim submissions. I really appreciate the quick review and turn around on the claims while I'm standing at the counter waiting to pay. Good news....we caught it early and all the results came back clear! Thanks Trupanion for your support!
1

out of 5

POSTED: | BY: Judie

The promise is better than the coverage

Their ads promise excellent coverage, but that is not what happened in our case. I had a number of complaints, but one was that our adopted dog had an ear infection when we got her in June. (She'd been "on the street" for who knows how long.) She was treated and it cleared up In November/December while she was in surgery for a dental problem, the vet examined her ears and found they were infected again. Second infection was not covered. Trupanion deemed it a pre-existing condition. Why? When I complained I was told that "ear infections are often caused by allergies". They can be, but there are also other causes. After the second occurrence we started giving her allergy meds as a test. However, the diagnosis was not made even after she had the second infection; we are still waiting to see if this works. In my opinion, the infection should have been covered; if the ear infection returns yet again, at that time it is reasonable to consider it to be allergies and therefore pre-existing. Another problem I have with the coverage is that they do not cover "examinations". The same dog had an abscessed tooth. They did not cover the exam or testing for the tooth, although they partially covered the surgical extraction and repair. Even if a dog is, God forbid, hit by a car, the "examination fee" (otherwise known as "office visit") is not covered. I have not checked, but I believe the x-rays would also not be covered as they are diagnostic tools that fall under "exams". The third issue is the "per event" deductible. Fourth? No wellness coverage at all ever. It's not offered.
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