Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,626

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.1
  • 4.7
  • 4.8
  • Count
  • 7
  • 411
  • 27,626

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: Alex Miles

Excellent, but pricey

I had our old Samoyed dog insured with Trupanion and was very happy I did. Wish I could have afforded it for all my pets. Maybe one time in six they mistake something for a new illness and apply the deductable again but this has always been easily sorted out. Sometimes the connection between illnesses isn't obvious - especially as different vets and hospitals will explain the same problem in different ways ('cervical neuopathy' is the cause of 'walking difficulty' etc., not two different things.) They paid thousands without blinking. Must be at least $10k. Well worth it. MRIs, stem cells, gastric torsion surgery. He had better healthcare than I did. We are currently stuck with Figo for six pets. No claim they can't turn into a complete nightmare disaster. With Trupanion you get a diagnosis and your worries are over. With Figo your pet gets sick and your troubles are just beginning.
5

out of 5

POSTED: | BY: MARJORIE GARRETT

Best response and concern for furbabies

Three Pekingese chose us as their parents and we wanted any catastrophic event covered.All three have been covered for four years. Abby - neck surgery and recovery $6000 Harry - herniated disc surgery - over $12,000 Magoo -liver disease and seizures $5000 and on going monthly expenses. Trupanion has been and is there for us. No words can express our comfort!
5

out of 5

POSTED: | BY: Debora shaw

Trupanion is a blessing

Having insurance with Trupanion has been a blessing . My little Sophie hads been so sick . I have been under a lot of stress . Been dealing with a lot of surgeries for 18 months . Not worrying about the the bills has taken a huge weight off my shoulders . What a like about this insurance is that there is no gap on pay out . And they pay within a week .
5

out of 5

POSTED: | BY: Michelle

I tell everyone to go to Trupanion

I truly don't have a single complaint. I can't say it's the cheapest insurance but as they say, you get what you pay for. I insured my fur-baby days after she came home. She was diagnosed with a liver disease a mere 2 months later. Trupanion paid for everything as promised, fast and without any arguments about what was covered or not. They continued to do so test after test, procedure after procedure. They checked in on her. They fixed errors in reimbursement almost the second they were identified. Best of all, they didn't increase my rates exponentially because I dated to use the insurance I purchased. I have not been let down by Trupanion yet. As her disease progresses, I know I can at least have one less thing I need to worry about and I couldn't be more grateful. It's heartbreaking enough without having to think about the financial component.
5

out of 5

POSTED: | BY: E

Worth the extra money

Was hesitant about getting insurance for my dog. Have never needed in the past and figured what the hell. What made my select these guys is the pay out with no limits. I got to put it to the test 8 months in when my pup ate two large socks and had a minor obstruction. $3500 later I get a check for 90% -$500 deductible. Currently I am using the insurance monthly due to allergies my golden has. Everything from his bathing supplies and medication and shots are all covered. I would not hesitate getting insurance again has saved me a boat load.
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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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