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: Enzo

Acute Renal Failure

Trupanion is an amazing pet insurance provider, I am very happy that we decided to go with Trupanion instead of other providers for the simple facts. Affordable rates, 90% coverage, No deductible and most of all simple claim forms that we were able to fax in and receive reimbursement within about 10 days. A+ rating Thank you Trupanion.
5

out of 5

POSTED: | BY: Francesca adams

Excellent customer service!

I truelly want to thank everyone at Trupanion for there help with Dakatas claim. I am so impressed with how all the staff worked so hard on getting me the preapproval before her emergency surgery and doing the express pay so I dident have to pay out of pocket. Honestly this is the best experience we have had with an insurance company and the experience helped make our thanksgiving.
5

out of 5

POSTED: | BY: Z

Very Supportive

I can not tell you how comforting it is to have trupanion with us every step of the way.....
2

out of 5

POSTED: | BY: Matthew Sullivan

Ridiculous rate increase

I had one minor problem, which was an ear infection not being covered because it was a "pre-existing condition"...even though it was cured the first time. I was assured that this could be rectified with documentation from my vet, but getting this done from the vet's office is proving to be difficult. At any rate, dogs do get recurring infections! The other issue was the massive increase after one year of service. 28%! I can understand that increases will happen annually, but at this rate, my premium will be over $200 within a few years! The last problem I have with them is the deductible. It is not annual, but per incident. That is a bit much, as well, if the dog has to go to the vet more than once in a year. I am currently negotiating with another company with unlimited benefits, annual deductibles, 10%copay, and they also cover hip displasia! They also assure me that rate increases average around 9% annually, which is much better to swallow!
5

out of 5

POSTED: | BY: Margaret

Great

I have 3 pets on it. I work in a vet clinic and can't say enough about insurance in any form. Trupanion has been awesome!
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