Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,628

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 4.7
  • 4.8
  • Count
  • 4
  • 300
  • 27,628

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: Angela

Amazing...

Trupanion came in handy just in time. My puppy, Bella, swallowed a chicken treat, and it got lodged in her esophagus. After seeing our regular vet, we had to take her to a specialist. The total bill was close to $1,400. Trupanion covered 90% after my deductible and sent the check just within a few days. Then, Bella bit an electric cord and had to go back to the specialist...another $700 that was covered. The claim was handled in less than 24 hours! A few days later, Bella passed away from an injury (this little puppy got into everything, but she lived a very happy and spoiled, but short life sadly). I contacted Trupanion, and they immediately canceled my policy and requested a refund of the month's premium. Although I'm completely distraught over Bella's death, I do find comfort in knowing that she received the BEST care all thanks to Trupanion, and I'm not left in debt. I highly recommend this pet insurance company, and I will use them should I decide to get another pet later in the future. I can't thank them enough for their incredible service.
5

out of 5

POSTED: | BY: Nick

Best Pet Insurance is Trupanion

I had researched pet insurance for quite awhile before I came across Trupanion. I got an Aussie puppy in September and wanted to make sure I had adequate coverage for this very active breed. Trupanion seemed like the right fit for several reasons. First, they cover the ACTUAL vet bill and not some predetermined amount designated by the area you live in. People that post bad reviews may not realize what they are signing up for. If you know what Trupanion covers you WILL NOT be disappointed. They don't cover the office visit fee which we knew when signing up. Coverage begins after 30 days upon signing up. You can deterimine your copay, the most is 90% coverage, which I elected for. Pet insurance is NOT for routine maintenance such as vaccinations, spaying/neutering or check-ups...it is for injuries and illness and I assure you if your pet has had either, Trupanion WILL cover it. In the past 7 months I have submitted 3 claims (2 for bladder infections and 1 for an emergency visit), all of which have been approved and checks sent within a week! This is amazing insurance. Overall for those 3 claims Trupanion has reimbursed me for over $700 in vet bills and the process of submitting claims was very simple. Customer service is very nice and friendly and they even left messages if more information was needed for a claim. If you know what you are signing up for you will not be disappointed...Trupanion is really amazing. I highly recommend them and will remain a loyal customer.
5

out of 5

POSTED: | BY: CE

I Wish My Health Insurance was this Good!!!

My dog ate my wife's underwear had to have emergency surgery to get it out of his stomach and intestine. I live in NYC so the vet is SUPER expensive. The bill was $4780!Trupanion paid 90% no hassle... and I had a check within 7 days! The fact that they do not have procedure coverage limits is key. Highly recommended!
5

out of 5

POSTED: | BY: sharona

no wait claim approvals.

We can't believe how easy and quick it is for claim approvals. Our bulldog has had numerous health issues and the process was seamless in getting reimbursement.I wish my own health plan was as easy.
5

out of 5

POSTED: | BY: john canterino

professional and prompt payment

took max for hip x-rays. The claim was handled quickly and fairly. I have two other dogs insured and will add another in summer. I am most pleased int he way this arrangement has worked to date.
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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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