Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,619

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.7
  • 4.7
  • 4.8
  • Count
  • 6
  • 431
  • 27,619

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: April

awesome experience

Our beloved dog Icy jumped across my daughters lap and jumped out of my front seat of my truck but his back leg caught on the step and broke instantly. We knew it was bad and within a half an hour had him at emergency. We didn't have the 3,500 dollars to pay for it since it was a weekend and trupanion wasn't open, at midnight on a Friday.... Our vet called it in as an emergency and they had it approved in a very short period of time. The stress that took off us was incredible. I was thinking to only have trupanion while he was a puppy, but now he will be covered for his lifetime.We had him covered with no deductble so our portion of the over 3,500 was 624 dollars much more affordable. I have already recommended them to all my friends :) overall out of such a horrible experience trupanion made it bearable. thank you so much April and family!
5

out of 5

POSTED: | BY: Jonathan P

Express Claim, 10% Co-Pay & Alternative Treatments

I love Trupanion and I recommend for this company for pet insurance. An insurance company reveals their true character when its time to file a claim. Unfortunately, I had to file some claims but Trupanion provides me peace of mind and takes away the financial stress. My last claim I paid a co-pay since they agreed to pay my vet directly. That gives me the freedom to make decisions on what is best for my dog. Whoever you get don't wait insurance.
5

out of 5

POSTED: | BY: Denise

Quick

Trupanion works very quickly when it comes to helping with the care needed for a petty vet does direct billing with them but when I had to go to a different vet for an emergency we got reimbursement checks with in a few days of filing. Also we were able to know rather quickly (within twenty minutes) that we could get get all the diagnostic tests needed to help treat my pup instead of having to figure out which of the most important tests to get done.
5

out of 5

POSTED: | BY: Chris Albertson

Trupanion comes through again!

Its been a very difficult 3 months for us and our dog. Progress is slow, but we are making it. Trupanion has been with us every step of the way! They do they say the will and the reimbursement come before the credit card bill! I would give them an 11 if I could.
5

out of 5

POSTED: | BY: Nina Sabghir

Pretty good

My dog has always been really healthy until a few months ago. After years of mostly basic health care, vaccinations, and check ups, my dog became very ill. She has required overnight stays, expensive tests and medications. I picked the middle plan so had a somewhat high deductible. But after meeting if, processing has been amazingly quick and simple. I wish it covered things like ambulance transportation if deemed medically necessary. This was a big expense, and had to be paid out of pocket.
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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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