Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,870

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 4.6
  • 4.8
  • Count
  • 6
  • 225
  • 25,870

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: 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!!!
4

out of 5

POSTED: | BY: Mary

Good insurance company

There pricing has been consistent. Customer service and processing is great. I wish they covered part of the doctors exam.
5

out of 5

POSTED: | BY: James

Excellent Service

Trupanion was there when we needed it. In the past when our pets had become ill, the vet bills would mount quickly. After a couple of trips to the vet cost us a few thousand dollars, my wife and I invested in a Trupanion policy. While we hoped we would never have to file a claim, we wanted to know that in the event that an unexpected emergency occurred, we would have financial support for the vet costs. Unfortunately one of our cats was stricken with acute leukemia. After two weeks of tests and blood transfusions, the only course of treatment left was to put our beloved Cleo to sleep. The loss of one of our pets was very difficult, but thankfully we had Trupanion and the vet bills did not add to the grief.
4

out of 5

POSTED: | BY: Leslie Perry

Great pet insurance

claims are paid fast. it covers most thingsonly complaint would be the fast rising premium rates. They have increased over 100% in the last 8 years. I don't believe it has to do entirely with rising vet costs as they have definitely not increased that much.

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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