Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,140

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: Fran

Truly the best

I have had Trupanion pet insurance since I got my rescue dog, Annabelle in February, 2011. A year later I noticed she was limping & I took her to my vet. He diagnosed her with 2 trick knees (rear legs) requiring surgery. She had the 1st surgery March, 2012 & the 2nd one in May, 2012. Each surgery was over $2600.00. The ease at which this was handled was amazing. My vet submitted the bills to Trupanion, & they covered all expenses at 90% which they sent directly to the Vet. I paid the balance of 10%. In addition, my Vet recommended a joint supplement to be given to Annabelle daily & Trupanion reimburses me at 90% when I submit my, bills. And the most amazing part is they actually send me a letter thanking me for taking such good care of Annabelle. Also their staff are professional, courteous & extremely helpful. They are simply the best.
5

out of 5

POSTED: | BY: Leigh

Five Star

This insurance has been a God send for me and Thor. Since bringing home my beautiful German Shepherd puppy six years ago, Thor has been plagued with health issues. Thankfully I made the decision to enroll him with Trupanion since puppy hood. They have paid all his claims without a problem. Well worth every dime. Their claims staff is also very helpful when I've had to call with questions. Will always recommend Trupanion.
5

out of 5

POSTED: | BY: Kim

Great Insurance company

I Love this company. They have been wonderful with every claim I have submitted. What a feeling to not have to put a money value on your pets health. I am able to give my dogs the best care possible because of Trupaion.
5

out of 5

POSTED: | BY: diana

Excellent Response!

My dog became suddenly sick, vomiting, with anorexia and hemorrhage. I took her to the Clinic and vets recommended to take her to the Pet Hospital for IV and antibiotic. During that time in the hospital, Trupanion discussed the charges with the hospital and quickly approved treatment. The refund of expenses from the clinic was received within a couple of weeks of treatment. Superb service!
5

out of 5

POSTED: | BY: Sandie

Awesome

It was awesome that your main concern was for your pet instead of being concerned about how much it was going to cost. The vet handled all the paperwork and submitted the claim and a week later the reimbursement cheque was in the mail.
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