Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,142

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: Freda

Great Product and Service

I have subscribed with Trupanion since 2011 for all my 3 pets. A few months after I joined, my Yorkie Samson developed a serious illness and the staff at Trupanion were extremely understanding and helpful and supported all treatments required to bring Medicationa ndhim back to health. Now, both my cats are senior citizens, and as such have developed some health issues, which Trupanion is helping with medication/supplements. The new Claim process is quick and efficient. To date, I am very pleased I chose Trupanion over the previous insurer I had. Trupanion tends to make things easier not harder and they are up front about what is covered and what is not. Other companies I dealt with used ambiguous language and you never were sure if you are covered or not. Kudos Trupanion.
5

out of 5

POSTED: | BY: Mike

Trupanion has been absolutely amazing.

Unfortunately our 2 year old puppy was diagnosed with early kidney disease and we had to run several tests, see some specialists and begin providing our dog with various prescriptions on a daily basis. Trupanion has been fantastic, has covered the numerous expenses and their claims paying process is extremely quick. Thankfully our puppy seems to be doing fine, but it will be a long (hopefully) road ahead and we are so thankful to have Trupanion by our side.
5

out of 5

POSTED: | BY: Luke

Unbelievably good Customer Service

We recently had a problem due to our dog Oscar having eaten something that he shouldn't have. He became very sick and we were forced to take him the the emergency vet. After 2 nights they released him (prematurely), and he began having bloody diarrhea within 24 hours after starting his medication. All in all a very bad experience.Trupanion however was a HUGE help! They immediately pre-approved his procedures, and after the bloody stool they made sure that we were comforted in knowing they would pre-approve any additional costs associated with having to take him back to the emergency vet. If we had health insurance for us humans that was HALF this good, we wouldn't want to use the public system ever again. Truly above and beyond expectations!
5

out of 5

POSTED: | BY: Sandra

This is the best insurance ever!

Without this insurance I would not be able to afford the medical upkeep of my beloved pet. He is a English tri colored coonhound with a medical issue of epilepsy. He seemed very healthy but boom, he started having seizures and after complete testing this what was discovered. Diagnosis and treatment can be quite expensive but trupanion gladly lives up to their policy with reimbursement rapidly
5

out of 5

POSTED: | BY: Frank

Always A Trupanion Client

We adopted our fur baby, Katie on Valentines of 2011 and since then she has incontinence. Unfortunately in the past year or so, she has been diagnosed with Degenerative Joint Disease. Due to her pain, she is taking a pain pill. Our Katie takes Pronin, Vetprofen and Gabapentin on a daily basis. Trupanion has, in a timely manner, processed her claims. We have recently met our deductibles for 2 of her medications. Thank you, Trupanion for having an excellent staff and insurance coverage for Katie.
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