Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,139

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: Diana

Life Saver

My lab rescue came with a Trupanion brochure. My vet suggested we enroll in pet insurance. Thank goodness! We had over $5,000.00 in vet expenses in year one alone; dysplasia, allergies, conjuctivitis, etc. Trupanion paid us back 90% including emergency vet expenses after he swallowed a tennis ball.
1

out of 5

POSTED: | BY: Kim

Not worth it unless if you have a puppy

I purchased Trupanion for my 8 year old dog because the company said that it would accept pets that have preexisting conditions but would not cover expenses related to those illnesses. The guidelines were pretty clear - any expenses related to the illness that was found before purchasing the insurance plan will not be covered. However, to my dismay, it seems that Trupanion evaluates every nitty gritty detail in order to deny your claims for any future illnesses that may incur. For example, my dog had to be rushed to the ER because he was vomiting and lethargic. As a result, he was diagnosed with Pancreatitis. Trupanion got back to me and sent me a letter that copied and pasted every comment starting from 2 years back when I informed my vet of incidents when he had indigestion and vomited. They said that those were "preexisting symptoms" that led up to my dog's illness 2 years later. Note, the vet never found any kind of stomach related illnesses until recently when I submitted the claim. Another problem I have with Trupanion is that they try to find any reason to deny your claim. For example, they approved one claim when my dog caught a cold from another dog, but when I submitted 2 more claims for the same illness, they denied them because "it was related to his preexisting condition." Seriously, I am on the fence about canceling my account with them right now. It makes no sense for me to continue purchasing Trupanion's service if they are not going to provide me any.
5

out of 5

POSTED: | BY: Adele

Excellent

I never thought the following words would pass my lips about an insurance company: they are wonderful. Our 8 month old lab mix puppy just had surgery for elbow dysplasia, and numerous X-rays and an MRI were needed in order to diagnose this. The total was more than 6000 dollars. Getting the money refunded was incredibly easy and hassle-free and I would recommend this insurance to anyone in a heartbeat. One thing, when you sign up you have a limited number of time to add hip dysplasia for a small fee each month. It seemed crazy to do this for a puppy but now we wish that we'd signed up for it (no problem getting the elbow dysplasia covered, though).
5

out of 5

POSTED: | BY: Patricia

The best pet insurance there is!

I have been with this pet insurance for 6 years. The fees are very reasonable and I have two Schnauzers so that is important. Also they process the claim within 2 days of receiving and the cheque arrives within 2-3 days. They encourage you to take your pet to the vet when they are sick and to keep your pet healthy. The best pet insurance there is...for sure.Patricia Hohs, Stittsville, Ont. Canada
1

out of 5

POSTED: | BY: Carol

Might not be worth it

My cat's claim was denied because his file said he'd vomited a couple times in the past. What animal doesn't vomit at some point in 9 years? That's hardly the same thing as vomiting repeatedly for days in a row, requiring x rays, multiple blood tests, and medications. Unless you insure your healthy pet at birth, it might not be worth it. Your dog was hit by a car and broke his leg? Well, it says here that 5 years ago he tore a dew claw so that leg's not covered. Your dog has pleurisy? Well, she was panting during an exam 10 years ago so that's not covered. She obviously had lung issues then. Cat's developed diabetes? Well, he was apparently a bit overweight at one point so we aren't going to cover that. Any animal that hasn't had a major illness can still be construed as having pre-existing symptoms for just about everything at some point. I'm saying yes for recommending this company to other pet owners, but it's very conditional. Get the insurance at your puppy/kitten's first exam. Maybe then they'd actually be covered.
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