Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,870

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 4.6
  • 4.8
  • Count
  • 6
  • 225
  • 25,870

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: 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.
5

out of 5

POSTED: | BY: Kathryn

could not be happier with claim process

Our Dog was bitten by snake and needed very expensive treatment and overnight care .The forms were faxed through to the emergency vet. Two days after I submitted the claim I received mail to say 90% of my claim was being paid .
5

out of 5

POSTED: | BY: Meryl Getline

Best Possible Service

I insured my baby, a 13 1/2 year old Pomeranian, just in time. He started having issues within a few months of signing up, including heart and stomach problems. Service is unbelievably fast and as advertised. No hassles, 90% coverage, which is fantastic, responses the same day when I've scanned and emailed documents, and checks arriving a few days after that. Once a condition is established, form to fill out is incredibly brief--a couple of seconds to complete as they handle the majority of the form for a repeat condition. It's great!
5

out of 5

POSTED: | BY: John P.

Easy and fast with exceptional follow through

The vet submitted the claim via fax after business hours. The next day were were notified the claim had been received. The following day we were notified it was paid with a summary. The same thing happened when the second vet involved faxed a claim. Great customer service and constant follow-up. Wish our own human medical insurance worked so well.
5

out of 5

POSTED: | BY: Tracey

Awesome

Trupanion is great to work with!
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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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