Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,615

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.7
  • 4.7
  • 4.8
  • Count
  • 6
  • 443
  • 27,615

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: Piper

Trupanion has been fantastic!

Our puppy has had more than her fair share of illness in her young life. In the past, my family has never even insured their pets, but when we took her in for her first vet visit, they gave us the 30 day trial with Trupanion and after looking into the policy we decided to go ahead and sign up with them. Thank goodness we did! Unfortunately, we have had to visit the Emergency Vet more times in her young life than I ever did with all of our family pets combined. As unfortunate and stressful as this is, the knowledge that we had Trupanion and our beloved puppy was covered gave us great comfort. Trupanion has processed our claims very quickly and without issue. We are truly grateful for Trupanion and recommend them to everyone we know who owns a pet.
5

out of 5

POSTED: | BY: Leah

MPL Surgery

Our 10 month old puppy (Papillon/Pomeranian mix) was diagnosed with bilateral luxating patellas and required medial patella luxation (MPL) surgery on both hind legs. Trupanion covered 90% of all the costs involved with his condition, returning thousands of dollars to us within a week of submitting the one-page claim form. We cannot express how thankful to have chosen Trupanion as our pet insurance provider!! THANK YOU SO MUCH!!!!
5

out of 5

POSTED: | BY: Nic

Fantastic!

Trupanion has helped us with our dog's life long ailment with helping us with all of our questions and our mounting doctor bills. They are very accessible both morning and night and walk you through the process if there are any issues. I would highly recommend them as they are affordable and tailor to your needs. Thank you Trupanion!
1

out of 5

POSTED: | BY: Pamela

they are theives

I have been paying 22 a month for a year, I took my cat three times for eye problems, they said I had to follow up or I would not be paid, now they are refusing to pay at all because she had problems when she was a baby. Most kittens have eye issues so I think they just want to find an excuse to not pay me Do Not waste your money
4

out of 5

POSTED: | BY: Diane

What you sign up for is what you get.

The claims (once received) have always been processed quickly. My only complaint is the fax number listed, but they have provided me with an alternate number because some clients have had issues with the listed fax number. Fast claim turn around time.
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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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