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.
5

out of 5

POSTED: | BY: heather gavriluk

excellent experience

My dog needed foreign body surgery and I was able to get pre-approved right away. Reimbursement was also speedy. I am an emergency and critical care vet tech and I highly recommend Trupanion as a client and as a veterinary professuonal
5

out of 5

POSTED: | BY: CHRISTINE TOBIN

EXCELLENT, FAIR & EASY

MY POOR LITTLE DOG HAS BEEN SUFFERING WITH PAIN FOR QUITE SOME TIME NOW. TRUPANION HAS BEEN EXCELLENT AND I HAVE NEVER HAD ANY PROBLEMS WITH ANY CLAIMS. KNOWING THAT I CAN FOCUS ALL OF MY ATTENTION ON MY LITTLE GUY AND NOT HAVING TO WORRY ABOUT BILL, CLAIM FORMS OR HOW I WAS GOING TO AFFORD TO CARE FOR HAS BEEN RELIEVED BY HAVING TRUPANION INSURANCE. WE GOT MY DOG ON 8-12-11 AND I GO THIS INSURANCE 4 DAYS LATER AND IT HAS BEEN AN EXCELLENT INVEST. MY ONLY PRAYER IS THAT MY LITTLE DOG MAKES IT THROUGH THIS. THANK YOU AGAIN TO TRUPANION. YOUR COMPANY IS THE BEST!
5

out of 5

POSTED: | BY: Sharon M.

Claim

My cat had 2 collapsing episodes within 5 months of each other and each time I contacted Trupanion to file a claim the representatives were always so helpful. They walked me through the process and made it very easy for me. My claim this last time was completed and money was in my account in just a couple days. I feel that Trupanion is a great pet insurance company.
5

out of 5

POSTED: | BY: Amanda

So simple!

When I first got my puppy, he had a couple intestional parasites. I signed up for the 30 day free trial. It was so simple to fill out the form and the vet submitted his medical records, next thing I know there are 3 checks sent to me! Honestly wasn't expecting anything at all! The thing I liked most about this company is that they don't get any credit card information for the free trial! It's very low pressure, if you want to sign up after the trial I recommend doing it before the free trial is over. If you wait, the 30 waiting period (that was waived to start out) will come back into effect. So way to avoid that is to sign up just before the trial is over. I liked how simple it was I signed both my dogs up!
5

out of 5

POSTED: | BY: Lauren Auriemma

very happy!

We are very satisfied with Trupanion. They have paid 90% of all our claims as stated in our policy. No complaints!
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