Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

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: Annette

Excellent service

I have paid into the insurance for a year and a half and I hoped to never need it but when my dog woke up limping one morning I was very worried, took her to the vet and of course they had to X-ray her and investigate the cause, there were a couple of issues but fortunately it was nothing serious, she had actually injured her paw pad, but after the expense of the visit I was very happy that I had insurance and could rest assure that whatever the issue was, my little baby was covered and would be safe. For a first time experience having to make a claim, Trupanion actually paid me my money much faster than even they initially said it would take for a first time claim since they had to get her medical records which is something they only have to do once, with your first claim. I received the exact amount, covering her meds, her X-rays and everything except the visit, which I already knew was not covered. The service was excellent and I would recommend this company to all my friends! Thanks Trupanion, for doing what you promise you will in times of need!
4

out of 5

POSTED: | BY: Dale

Good, but one mistake

Good and quick service but there was an oversight when getting the claim that resulted in not getting compensated enough. However, it wads taken care of when brought to their attention.
5

out of 5

POSTED: | BY: Rosie

response to survey

pleasant & helpful assistance
5

out of 5

POSTED: | BY: Sara Lashley

The Best

My dog has been insured with Trupanion since May of 2011 and I have had to submit several claims since that time. I decided to go with the $0 deductible plan, as I really liked the idea of getting my vet costs almost completely reimbursed. I also purchased the endorsement which will cover hip dysplasia (for a nominal extra premium). The plan I chose to go with pays 90% of all covered expenses. The other company I had prior to Trupanion was woefully inadequate in paying out for much of anything and I ended up with huge costs that they just did not cover...plus,no illness/condition, etc. that was considered "hereditary" or "genetic" was covered by them either. Trupanion also states that they do not raise the insurance premiums as the pet ages (with minor exceptions). The service I have received has been prompt and absolutely more than satisfactory. I have recommended Trupanion to many people who have dogs and cats. Choosing Trupanion was the best decision I ever made for my Golden Retriever.
5

out of 5

POSTED: | BY: Alesha Boyd

I 100% recommend Trupanion

My husband and I signed both of our dogs up with Trupanion. After reveiwing other pet insurance plans we felt Trupanion was the best plan. Unfortunatley we have had to use our insruance due to our pet becoming ill with cancer. We submitted our claims via fax and we were reimbursed within two weeks for eligiable medical expenses. The Trupanion staff treats you with respect, compassion and, are very professional. I reccomend Trupanion 100%. Alesha and James Boyd
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