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.
5

out of 5

POSTED: | BY: PJ

Happy Trupanion Customer

I work at a vet clinic and I am a pet owner. I like Trupanion because of their one simple policy. The cost is reasonable and it covers what I expect an insurance to cover. I recommend Trupanion to my clients all the time. Recently, I had to claim for the first time for my own dog. The process was straight forward. They returned my emails promptly and I received coverage for exactly what I expected to. I went the route of having a pre-auth done for a MRI that we needed. I went in knowing I was covered and then we did a direct payment to the specialist so that I only had to pay my 10% and the tax, meaning I wasn't waiting to get reimbursed. Overall, I've been pleased with my first claim through them.
4

out of 5

POSTED: | BY: David Abramson

Never would have imagined . . .

We adopted Paisley at 7 months of age this past December. Did not want to make the commitment to insurance. What could go wrong? Paisley dined on a "Hand Warmer". Small white packet containing particles of Iron. Iron Poisoning can be life threatening. She spent three days in the hospital where she was flushed out from both ends. The end result was she never developed the poisoning and we had a $2,300 bill to deal with. Trupanion covered everything they said they would. Our out of pocket costs was somewhere around $400.
5

out of 5

POSTED: | BY: Jackie

Very good

I was very hesitant when i submitted my claim assuming they would try and find a reason not to reimburse me, but within a couple days I recieved an email stating they were covering 90% of all treatments. I was very pleased and staff were always very nice to talk to when i phoned in.
5

out of 5

POSTED: | BY: Melody San

Trupanion is the best

Trupanion has been extremely helpful throughout this entire process. Every time I've called, each representative I've spoken to has been efficient and quick to respond to all my requests.
5

out of 5

POSTED: | BY: Roxanne

Would Recommend Trupanion

When our little Orlando (4.5 lb Chihuahua) went for spaying the pre op blood work showed very high liver enzymes. The vet followed up with a bile acid test which indicated a possible liver shunt. He then did a ultra sound and determined that it was not a liver shunt but that Orlando has a small liver. He has recommended liver supplements ( covered by Trupanion ) and a low protein diet. I would recommend Trupanion to anyone looking for pet insurance. My claims have always been handle quickly and they always enquire as to how is Orlando feeling :)

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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