Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,162

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: Jennifer

Happy with Trupanion

I was very happy with Trupanion. A mistake was made on my claim and they took full responsibility and paid the claim. Staff was friendly and professional. I will continue to have insurance through them.
5

out of 5

POSTED: | BY: Mikki

A life saver!

Our cat Miles has had several health issues over the past couple of years and Trupanion has really been a lifesaver. Whether it was his corneal ulcer or a tooth removal, Trupanion swiftly covered the expense -- so worth the monthly fee! Besides the excellent policy, my husband and I have been so impressed with the customer service. The Live Chat feature on their website is super easy to use and I always get my answers fast. Awesome pet insurance company, we highly recommend it.
5

out of 5

POSTED: | BY: Katy

They Sid exactly what they said they would!

We purchased insurense for out new puppy with the hip dysplasia coverage. (we have had 2 previous pets with it) Sure enough when I thought it was some sort of injury our mixed breed puppy had it also. The doctor did a PTO hip surgery on him and thank goodness Trupanion cavered it. A Godsend!
5

out of 5

POSTED: | BY: Michael

Trupanion kept their promise

Trupanion promises to reimburse quickly once a claim is filed. One of our cats became very sick and we had to file a claim. It took only about two weeks from the time when they received it until we received the check for the reimbursement in the mail. That is indeed very fast. I also like that they do not raise the premiums for the pet getting older. The premium is based on the age at enrollment. We only had one adjustment for general cost increase so far, with slightly over 2% reasonable. The only reason I did not give a ten as a rating is because they do not cover some of the fees veterinarians charge, but which are unavoidable (examination fees). How else can the animal be treated unless it is examined? However, compared to the other costs that can hit you for a treatment the fees are usually the much smaller part. Overall great service and a great philosophy
5

out of 5

POSTED: | BY: Alice

They also cover special shampoo and conditioner

My dog has skin allergies, and Trupanion covered for his special shampoo and conditioner. I had no problems ever, always got the reimbursements very fast.
Please leave a review

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  
Provider website

Get a quote today

Leave a review