Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,162

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: Rachel

These people are crooks!

Trupanion is refusing to cover our dog's treatment because they have dug up some old notes from the vet and are using a conversation I had with the vet to claim a pre-existing condition, even though our vet has written a clear letter indicating that there is no proof of a pre-existing condition based on his diagnosis. The vet told us that they have been finding any reason to deny claims and to not have to pay out. We are going to take legal action against this company. DO NOT USE THEM.
5

out of 5

POSTED: | BY: YVONNE

Great insurance / great experience

Have had Trupanion for 5 yrs for my dog, a wonderful rescue. For last 2 yes she's had a couple of issues including hospitalization for 3 days. My bill was over $4000! Trupanion was wonderful-- they provided a pre hospitalization estimate so I knew what was covered and what wasn't. They covered most expense at 90%!! Not even people insurance does that. I received my reimbursement even before my credit bill arrived and most importantly the people I spoke to were so nice, professional and caring. Try to get that elsewhere. My monthly premium is worth it -- and now they cover dental -- my vet couldn't believe it until she read my policy and is now letting her patients know. Trupanion is the BEST👏🐾👌
5

out of 5

POSTED: | BY: Beryle

TG for Trupanion!

Our darling little Havanese rescue was just dx'd with bladder stones with a total, so far, of ~$2K in costs! Trupanion didn't blink an eye, paid a significant portion, and with this peace of mind, we can go forward. No worries about choosing between caring for our pup, and paying our routine bills, eating out, and planning vacations! THANK YOU, Trupanion!
5

out of 5

POSTED: | BY: Orphan

Excellent service and response time

My male lab had a torn ACL requiring expensive surgery (over $4K). Trupanion paid the full 90% of the bill less the deductible. I'm surprised and happy. Now I have all 3 dogs insured for slightly over $100/month. The customer service reps are the best! They are helpful and pleasant to talk to. Everyone seems to have pets and good stories. Got reimbursed in under 10 days.
5

out of 5

POSTED: | BY: Tammy

Exceptional Service

Trupanion is the best insurance company of any kind with whom I've ever done business! They are extremely responsive, helpful and compassionate. We signed up for insurance when our pet was 4 and wondered if we were wasting our money. The answer was no!! Our Labrador retriever developed cancer at the age of 10 and underwent many diagnostic tests, a month of radiation, and one chemo treatment. The costs were close to $30,000. Trupanion responded to our first claim in 2 weeks with a check for 90% of the cost, minus our deductible. They responded to all follow-up claims within 2 days with our reimbursement checks. They were extremely helpful and responsive. Unfortunatley, our sweet dog passed away, but we were comforted by a hand written, personalized sympathy card from Trupanion. When we get our next dog, we will definitely sign up for their insurance again!
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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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