Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,603

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.6
  • 4.8
  • 4.8
  • Count
  • 5
  • 507
  • 27,603

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.
4

out of 5

POSTED: | BY: Vonne Lewis

Best insurance for your pet ...

My husky has a nail disorder that she will probably have for life ... Trupanion has been great to work with - no problems on reimbursements for her meds ...
5

out of 5

POSTED: | BY: J.DiMartino

Excellent

My claim was handled fast, and efficiently
5

out of 5

POSTED: | BY: Teresa

Trupanion insurance is "top dog" in my mind!

Our 2 1/2 year old German Shepherd, Brogan, would not be here if it weren't for Trupaniion Insurance. He has an oral sarcoma of which the prognosis is poor. We were told this past February that he has less than a year to live. We were hopeful that Cyberknife laser radiation would at least temporarily remove the tumor but he would be left with a hole in the hard palate, so he was not a candidate for the procedure. With the tumor growing rapidly, he began having difficulty eating and drinking as well as snorting with nasal difficulty. Trupanion Insurance with its excellent coverage (90% after deductible for this illness) has given Brogan his quality of life. Because of them, we can afford to pay for palliative radiation and chemo, without much side effect to our wonderful dog. Even though we have a limited time with him, you would never know he has this terminal cancer as he is just as playful, lovable, and nourished d/t an excellent appetite despite the treatment he is receiving. THANK YOU TRUPANION for giving us this precious time with our dog Brogan!!!! God Bless all of you at Trupanion! I tell everyone about Trupanion - I'm one of your biggest fans!
5

out of 5

POSTED: | BY: Jedidiah Marshall

Trupanion - great service and support

Appa was a Great Pyrenees mix that we adopted from a rescue. In the one year we had him, he tore his ACL and was diagnosed with bone cancer. In total Appa’s medical care cost about $15k while he was in our care and Trupanion covered 90% of that amount without complaint or hassle. The only thing they don't cover is examinations, which is kind of a pain, but honestly the exam was usually $60-100 and the actual medical service was several thousand so not a huge deal. I would recommend Trupanion to any pet owner.
5

out of 5

POSTED: | BY: Karen

Outstanding Service From the Team @ TRUPANION

On my search for an insurance provider who would be there for me if any unforeseen illness or accident happened to my Chocolate Lab I found TRUPANION. I called the front desk staff at multiple vet hospitals in my area and asked the staff members who check in the patients and process payments and all 3 without a doubt recommended TRUPANION. The customer service and staff are outstanding, kind and patient. The initial paperwork and process took a while due to having to check with our local vets for any pre-existing diagnosis, but once all of our dogs records were in their hands every claim for reimbursements has gone smoothly and quickly. I also like the ability to change your deductible and monthly payments any time you choose to manage your pups needs.

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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