Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,629

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.6
  • 4.6
  • 4.8
  • Count
  • 5
  • 260
  • 27,629

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: Jody Jones

First time user of Pet Insurance

I was not certain if I would like pet insurance and if it would pay without a lengthy wait, as does Medicare!!! The staff was courteous and the process of claim was began what seemed like the first day it was received by Trupanion. Today a received a check for a claim that was less than one month old. Part of the Vet bill I did not pay once my deductible was met. At this writing I am happy with my choice and I did not have to decline any testing that was appropriate for the illness.
5

out of 5

POSTED: | BY: Megan

amazing service

Quick response and hassle free which makes things that much easier when dealing with a sick puppy.
5

out of 5

POSTED: | BY: Shelly Miller

Get insurance -- go with Trupanion

I have never been so happy about a purchase as I am with Trupanion. This is my first time with pet insurance, and I have so far had a great experience. Trupanion was very quick to pay my claims each time, and they are really good about staying in touch via email while your claim is being processed. I am so glad I have the insurance and that I have it with Trupanion. A friend of mine has insurance through a different company and her experience has not been nearly as positive.
4

out of 5

POSTED: | BY: Athena Winters

Quite satisfied

I insured my Doberman puppy when he was 4 mo old. Puppies being puppies, I figured he would end up getting into something. Trupanion said the younger the age I start the insurance the better because at his age he hasn't typically developed any problems. They cover illnesses that develop 30 days after being on insurance and injuries are covered immediately. They do direct billing with many vets in my home city of Calgary. I really like that as vet bills are often VERY outrageous. Vets sure like to over charge. They don't have a list available to show who does direct billing; too hard to keep track for them. It will be up to the insured to ask about direct billing with your vet. The insurance I got for Tracer was one that gave me the best coverage. Zero deductible-meaning I don't have to pay a certain percentage of vet costs before they cover the rest, with 90% reimbursement of my bill, minus the cost of the exam fee. Upon my first claim they expressed sincere concern. It was clear in the tone and pitch of the rep I spoke to that they love animals. I was provided with good customer service with a bit of a personal touch. I was given good direction as to what I needed to do for my 1st, hopefully last, claim. I received an emailed form to bring to my vet to fill out within minutes of calling Trupanion so I was able to get Tracer to the Dr quickly. This saved me from having to make two trips to my vet- one for my puppy & one to submit form. It helps if the vet assistants at the
5

out of 5

POSTED: | BY: Missy

Amazing- best decision we made!

Trupanion is reliable, very straight forward,and easy to deal with company. We have an English Bulldog puppy and in his 7 months of life he has already had two surgeries in which we probably would not have been able to afford unless we had Trupanion. They not only have enhanced the life of our Rocko but our lives as well by helping us financially and allowing us to take great care of our pet!
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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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