Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,628

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 4.7
  • 4.8
  • Count
  • 4
  • 330
  • 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: Jill Rothen

Excellent service-paid exactly as I had contracted

I purchased Trupanion insurance on my 11 week old pomeranian at her first vet visit. I had never had pet insurance before but this sounded reasonable and what I would need insurance for at a very reasonable cost. About 18 months after purchase of insurance a heart problem was diagnosed and cost $4000. total to repair. The condition is known as "patent ductus arteriosus". If not corrected my little dog would have died in about 2 years. Regardless of whether or not I had insurance I would have had the procedure done. It was absolutely wonderful to have the insurance pay me exactly as the contract had said. I recieved about $3100. in reimbursement. My premiums were only $35. per month. It would take 6 years of paying premiums to equal that amount. A truely excellent insurance value. I will always have my pets insured. It is so worth the cost. Be sure to carefully read and understand your contract and how claims are handled. If the premium is ever to high for me I will increase my deductible. This is excellent for those times that your pet may develope a very expensive condition that has to be treated. I could have had the expenses covered under the "pre pay provision", but I did not realize that there was such an option. I hope that we will never have to make another claim, but in the event that something does happen, it is an immense comfort to know that we are covered. I would recommend this insurance to ALL pet owners. Buy the insurance immediately as soon as you get your pet, that way you won't have any pre existing condition limitations. I am going to tell everyone I know about this insurance and even put it on facebook. It is sooooo worth the money. The customer service people were extremely knowledgeable and helpful. They helped me every step of the way. This is an excellent and reputable company. If I could give them a rating of "1000" instead of a "10" I would. I am so very happy with this company and will always be a customer. Thank you to all of the wonderful people at Trupanion.
5

out of 5

POSTED: | BY: Barbara Longstreth

They are the greatest!!!!!!

So helpful and provide excellent service. Gives you piece of mind to know that you can provide your pet with the health care they deserve. I am thankful that I have it
5

out of 5

POSTED: | BY: ANGELA P

TRUPANION PET INSURANCE IS THE BEST!

TRUPANION PET INSURANCE - WHAT CAN I SAY ABOUT THEM EXCEPT THEY ARE THE BEST! ALWAYS SO VERY, VERY HELPFUL AND FRIENDLY. AND IF YOU NEED TO FILE A CLAIM, THEY ARE SO VERU QUICK TO ACT ON IT AND PROCESS IT. AWESOME COMMUNICATION WITH THEM. THEY ARE SO VERY CARING AND KIND. MY EXPERIENCE WITH THEM HAS BEEN MORE THAN EXCEPTION. I WOULD HIGHLY RECOMMEND THEM TO ANYONE!
5

out of 5

POSTED: | BY: Rebecca

10/10 COMPLETELY satisfied!

Trupanion was our first insurance experience but definitely not our first pet. They were a God send when our newest addition was diagnosed with a lifelong condition that would have otherwise been financially unmanageable. The process was easy to understand and the staff was so helpful. We tell everyone to get insurance now. EVERYONE. I cant imagine what we would have done otherwise.
5

out of 5

POSTED: | BY: Rick R.

"Eye" can't say it enough

$6000 worth of surgery and excellent service. Claim handled quickly too! Submitted our clam due to an unfortunate run in with a blade of dried grass. Corneal surgery to remove the obstruction and then follow up care. Trupanion paid our claim even before the Visa statement arrived! We insured our 3 month old with Trupanion and haven't looked back since. Claims process is easy and pretty straightforward. Don't delay. Sign up early and you'll never have a pre-existing condition.

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 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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