Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

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: Michelle

HORRIBLE COMPANY!!!

this company was offering a free 30 day trail and once I enrolled, 4 days later my dog was sent to the emergency vet with gastrointestinal issues. $2400 bill later I called Trupanion to submit my claim and they would not honour the trial because the email my vet provided was incorrect by one letter. Customer service was terrible! I spoke with 4 different people regarding this issue and it took 2 weeks in speaking with them all over the phone and through email. Nothing was done for me at all. I would never recommend this company and neither does my vet office. Infact they said they would never recommend them or promote they're so called pet insurance.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Shirley S

excellent sercice

Trupanion responded very quickly to our claim. There was never a worry about anything. Filing a claim is very fast and uncomplicated.
5

out of 5

POSTED: | BY: Ted Bailey

Trupanion is extremely easy to work with

Make sure all the information from your Vet and receipts are faxed to Trupanion.
5

out of 5

POSTED: | BY: James Coane

great company; great service

I've been with Trupanion for several years now, having insured 2 little dogs: one Maltese and One Yorkie. Both are aging and have developed health issues. Our Yorkie has COPD and our Maltese congestive heart failure. Hence, we've had a lot of vet bills for care and meds. Trupanion has paid every claim without any hassle whatsoever...promptly and no fuss. I think this company is totally focused on their customers and great service.
5

out of 5

POSTED: | BY: Naureen Sahibzada

If only humans could have this kind of coverage!

I have been with trupanion for about 5 years now. Last year we had a cancer scare with one of my cats. He had surgery done. thankfully he is doing great. I was SHOCKED when i received a check for about $2000 1 week following the submission of my claim. And the claim form... it can't get any simpler than that. 1 page! About 3 questions. Now, this last month has been a VERY difficult one. My second cat got sick. I took him in. His treatment came out to $15000. We did everything we could, but in the end cancer took my baby's life. I was not aware that my vet could submit the claim and just charge me the 10% after the claim had been filed. I found out after I paid all the money upfront, and out of pocket that my vet was willing to do that. pulling together $15000 did not help when I was going through one of the hardest times in my life. Its been a week since my cat passed, and my check covering 90% of that $15 grand is already on its way!!! I can mourn in peace! So professional, so caring.
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