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: Paulo

Trupanion REview

So far i am really happy with Trupanion.I have not had any problems with refunds and usually we get the refunds quickly. Also, which is a plus, we are notified by email of the status of the claims.
4

out of 5

POSTED: | BY: Kim

very happy with Trupanion

Finding out my pet had diabetes was a bit overwhelming but having trupanion behind us has made it alot easier
5

out of 5

POSTED: | BY: Mia

Exceptional

Within 24 hour, of the vet and the ER vet faxing the insurance forms to Trupanion, we received confirmation, payment and condolonces as our pet eventually died after surgery. In addition, within the same week a notification that Trupanion cancelled our policy and monthly premium and even refunded us the remainder of the month. Since our dog died they had these records and took the initiative. Incredible. We also received an authentic heartfelt condolence note. We had never used Trupanion before, and wasn't sure animal insurance was "worth" the premium but in one tragic emergency they were there emotionally and financially. Truly a customer focused insurance company.
5

out of 5

POSTED: | BY: Nikolay

Very efficient and helpful

Very pleasant and good experience.
5

out of 5

POSTED: | BY: Amanda

Reimbursment for IVDD (Dachshund) $10,000 claim

Our 2.5 miniature dachshund had a cervical disk rupture and has been diagnosis with IVDD. We had a middle of the night emergency trip to the vet, followed by appointments with the neurologist specialists, a CT scan, surgery and over a week total in intensive care. Trupanion was really great with our claim. We were pre-approved for the surgery and all care prior. They sent the pre-approval within 12 hours which was great. All cheques were received in a week. They paid out the full 90% and there was very little deductions (consults etc). My only comment would be that if there was an option to pay slightly extra month so that Trupanion would also cover the government taxes on the total, we would go for that – as on a bill of over $10,000, taxes in British Columbia (12%) really add up. All in all, the experience was a 10 out of 10 and I can’t imagine not having the coverage as it allowed us to get the best service for our dog without worrying about the cost (who by the way, 2 weeks post surgery is 100% recovered, we are suppose to keep him very quiet for many weeks, but you can’t even tell he had major surgery). Thanks Trupanion.
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