Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,628

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.3
  • 4.7
  • 4.8
  • Count
  • 6
  • 406
  • 27,628

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: Katelyn

Superb experience after emergency surgery

I was always very skeptical about pet insurance and thought it was a complete waste of money, but have been completely proven wrong based on the excellent experience I've had with Trupanion over the past few weeks. Our 11 month old German Shepherd became very ill and needed invasive emergency surgery on his intestines to correct an intussusception. It also required prescriptions, overnight stays, etc. As promised, Trupanion covered 90% of the costs and we received over $5000 back on the series of bills associated with his surgery. Trupanion was also extremely responsive – taking our calls on a Sunday evening with questions, sending emails with progress on our claim, and getting the check in the mail to us within a couple weeks. I would recommend (and have been!) Trupanion to any dog owner I know – they have saved us from considerable debt, provided a lot of peace of mind during a tough time, and enabled us to continue to spoil our dog rotten rather than pay his vet bills!
2

out of 5

POSTED: | BY: Tracy

Not happy with Trupanion!!!

I researched pet insurance companies a year ago. I had narrowed it down to 2 pet insurance companies I liked. Trupanion and PetPlan. At the time, I chose Trupanion b/c everyone said there were no surprise insurance hikes from year to year. The others could go up depending on the pet's age, etc. I have now had Trupanion pet insurance for 1-year and I just found out my insurance rate is jumping next year by 39% and 41% for each dog for 2012 (I have 1 and 2-yr old swissy's). WTF? My 1-yr old swissy had torn her Superficial Digital Flexor Tendon a month ago...and the company "says" it is not b/c of my claim. (Surgery alone cost $1750). They say vet bills, in general, has gone up in our area over the last year. Weird. I am still paying the same prices at my vet this year as I did a year ago (same office fee, same exam fee, etc). I am extremely unhappy about this. The only way to keep my monthly payment the same is to change my deductible from $400 to $1000 per year. Might as well not pay for pet insurance and just save that monthly payment in an account. I am trying to switch to PetPlan, but now none of my dog's pre-exsisting conditions will not be covered. Total Crap!
5

out of 5

POSTED: | BY: Mindy

good

service was good
5

out of 5

POSTED: | BY: Sara

Tests fully paid for

This claim was for tests after mu baby got sick and was in the ER for a few days. The tests cost over $1000 and I had my check within a week. These guys are great. They email you the progress and thank you for taking good care of my dog.
5

out of 5

POSTED: | BY: Phyllis

Life Saver

This company is outstanding. I insure 3 pets--thank goodness. When my cat was 11 months only, his body stopped making red blood cells. He was hospitalized for 3 weeks, had 2 transfusions, bone marrow tests. It was discovered that he has immune-mediated dyserythropoiesis. With his medication, he is back to normal. I don't know what I would have done without Trupanion. They have not only been fair but also extremely kind and helpful throughout this whole ordeal.
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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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