Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,628

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.3
  • 4.7
  • 4.8
  • Count
  • 6
  • 383
  • 27,628

Updated: November 13, 2023

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: Karolina

Trupanion allows me to be the best fur mom I can be!

Trupanion is more than just insurance and a way to pay for our dogs medical expenses. Trupanion allows us to provide them with timely care, in the way that they deserve and they are obvious about that purpose. Recently our dog Stella has become terminally ill all of a sudden and had to be rushed to emergency requiring thousands of dollars of interventions right away. Trupanions coverage allowed us to have all of that started and took the financial burden away. Because of our existing coverage Stella's treatment started immediately and was not delayed by us having to provide a percentage of payment up front. She is home with us now and our little miracle and we truly believe it's because of how quickly we were able to get her treated. We went through a very expensive emergency surgery ordeal with our other dog 4 years ago without insurance and it was life altering for us financially, because we will always do what we have to for our dogs. Trupanion allows us to focus on getting our Stella treated and better and takes away the very real anxiety of "how will we pay for it". Trupanion has been great from the beginning. From the ease of use of signing up, constant communication to ease of submitting claims (most of the from the vet directly) to almost instant pre-approvals and constant email communication. Even with the premiums increasing from constant use lately, it is still beyond worth it. It's a peace of mind money just can't buy (though I guess kind of does:) They are up front and transparent about what's covered and what's not and how. Truly no catch. Truly worth it.
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5

out of 5

POSTED: | BY: Catherine

Life saver

Our cat had diabetes, allergies and renal failure requiring daily medication. Trupanion paid for all his medical care including needles, test strips and over-the-counter allergy medications. They always processed my claims quickly and I was even able to submit by sending photos of the receipts and claim form by email. Our cat was hospitalized twice, and both times Trupanion paid the vet hospital directly. We will definitely get Trupanion coverage when we adopt our next pet.
5

out of 5

POSTED: | BY: Meghan

Peace of Mind

We decided to get our dog insured after struggling to afford medications and tests for our cat. I'd had another cat previously that I also struggled to afford veterinary care for, so at the suggestion of my boyfriend, we decided to go the insurance route. We got our dog signed up through their trial of insurance that we got at our veterinarian. Shortly after she broke a tooth, which they covered. A few months later she ate a naproxen tablet, which is toxic! I think the cat was trying to kill her because those pills were safely on the table when we left the house! Well they covered that vet stay too. Then she started vomiting and was later diagnosed with IBD. Not only have they covered that as well, but they pay my vet directly right at checkout so I don't have to worry about paying the full bill. It's been a real relief to pick up more than $200 worth of medication per month and only have to pay less than $20. We've been able to do things like ultrasound and endoscopy to diagnose what she has instead of treating her symptoms and hoping for the best like we've had to do in the past with other pets. We're even using Chinese herbal therapy right now to treat the IBD! We honestly could not have done all of that without Trupanion.
1

out of 5

POSTED: | BY: Warren Weston

Everything to Trupanion is a Pre-existing confitio

For many years, I had our dogs insured by VPI. They were great at paying but they only paid back 40% on average. When one of my dogs turned 13, they doubled the premium, which made me look for alternatives.In checking with Trupanion, they promised the World. They claimed they pay 80-90%. Unfortunately I switched. Every claim was listed as pre-existing. Even our Vet, Dr Jeff Werber in LA, contacted TruPanion saying this was not the case. No matter. Unfortunately, because of my dog's age, I could not get my old coverage with VPI or any other carrier. I moved to PetFirst and not happy with that either, but pet owners are limited in choices. My suggestion would be to get catistropic coverage ONLY! And so far, I wish I stayed with VPI.
5

out of 5

POSTED: | BY: Lydia Kunzler

Best company to protect your pet!

Thank heavens for Trupanion! When my 4 month old puppy started having neurological episodes barely over a month after bringing her home I immediately panicked fearing huge vet bills I wouldn't be able to pay. Having had some bad experiences with other insurance companies I almost didn't insure her, but my vet had encouraged me and told me he had more client satisfaction with Trupanion then every other insurance carrier he had worked with put together. So I took his word and enrolled her the day I made the deal with her breeder and she became mine. Thank heavens I did! Thousands of dollars latter and still no solid answers as to the cause of her episodes, I would have been in huge trouble or had to decline tests and possibly even put her down over money. Nothing worse then that! Thankfully Trupanion has my back - and hers! They have paid her claims quickly as promised with no haggling over anything my vet recommended for her. Thank you Trupanion for protecting my baby and showing me there is still one insurance company that truly is there for the animals, and allowing me to make decisions based off what my Vêt and I feel is best and not my bank account!
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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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