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: lynn tamagawa

my monthly dues shot way up

wondering if my monthly dues went from about 83 to about 97 just because our dog has been pretty sick. its enough to make us reconsider dropping policy.... however, besides that they have been doing an excellent job and are always very pleasant and helpful on the phone and have been taking care of all claims that have qualified. would like to see where they got their information regarding the vet cost in our area going up. if it was a valid reason then would like to see how they arrived at it. otherwise really wondering if that is a true statement or its because they have had to pay out a lot on our dog.
5

out of 5

POSTED: | BY: Cliff McGoldrick

Mast Cell Tumor Removal

My dog had 3 mast cell tumors which needed to be removed. I all happened very quickly and was obviously a very stressful time. Trupanion was quick to respond to the claim and even dealt with the Vet directly. They covered their portion without delay. Customer service is outstanding throughout this company and was genuinely heartfelt. I strongly recommend this company as they do not give you the run-around. They strictly mean business. I will stay with Trupanion, without a doubt.
5

out of 5

POSTED: | BY: Donna Moulton

Excellent Service

Our good dog Carl swallowed 5 golf balls and had to have them surgically removed. Trupanion promptly paid the claims at agreed upon amount.Carl has given up golf!
5

out of 5

POSTED: | BY: Angela Brown

Awesome Service

My vet was actually able to bill the insurance company in advance and all I had to pay was the copay up front. Trupanion covered 90 percent of the cost. This helped us tremendously. I have had her on this plan for the last 2 years and this is the first time we needed to use it. I am so glad we chose trupanion.
5

out of 5

POSTED: | BY: Herb Rokusek

Top Notch

I love Trupanion. I have a young Irish Setter that was diagnosed with IBS when she was about 7 months old. Lots of tests, special foods, very expensive. Trupanion covered at 90% on Vet bills and 50% on food. I'd turn a claim in on a Monday and usually I'd be reimbursed by Friday....their CS folks are friendly and helpful...I had VPI before but never understood what I'd be reimbursed...Trupanion is easy 90% on a non wellness visit. Simple, quick and easy to do business with...a 10 and I tell all my friends!!!

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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