Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,628

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.3
  • 4.7
  • 4.8
  • Count
  • 6
  • 383
  • 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: Roger Barnes

There when we needed them.

Without our knowledge, our 11 month old Golden Retriever accidentally swollowed a stone about the size of a small egg. We noticed his behaviour was off and decided to take him to our Vet. An x-ray revealed the mass and he had to have immediate surgury at the emergency/referral clinic. Thankfully, everything turned out fine. Given the situation, I'm sure any pet lover would do their best to aid their pet and absorb the cost. This was a large bill with very little time to decide. Knowing we had the insurance made the whole situation much easier to deal with. Trupanion approved our claim very quickly and we received payment about one week later. We have had many pets over the years but this is the first time we have had pet insurance. It was a recommendation by our Vet. My conversations with Trupanion during the initial sign up period were informative and have since proven to be honest and accurate. We recently signed up my daughter's new cat and I can say with certainty that I would never be without pet insurance again.
5

out of 5

POSTED: | BY: Debora

Fantastic!

In the first 5 short months upon receiving our rottweiler puppy, he broke two toes and then had a major situation with vomiting and diarrhea. We have had many trips to the vet. Trupanion has been wonderful! Our vet processed the paperwork for me the last time and a check was received within a week! Trupanion has certainly helped to alleviate the burden of unexpected expenses. This was one of the best decisions I made!
1

out of 5

POSTED: | BY: anon

dissatisfied

this company is a total ripoff and a complete waste of time! My yorkie was diagnosed with hip dysplasia after obtaining insurance, and it was ruled preexisting. I HAD EVEN BOUGHT THE EXTRA COVERAGE FOR HIP DYSPLASIA. This company kicks ya when your down and now i am even more broke than without the insurance. I am going to have to put my dog up for adoption. Thanks Trupanion.
5

out of 5

POSTED: | BY: Christine Leskun

Within 2 weeks - Made a claim!

On March 8th, 2010, my 3 month old puppy Jewel was rushed to emergency. An hour earlier, we had taken her to the front of our condo to get some fresh air. She was already in the habit of picking things up off the ground all the time, but most of the time she spit it out. Once the vet examined her, they determined she had swallowed a cigarette butt and now had nicotine poisoning. I was devastated and extremely worried if she was going to make it and how much this vet bill was going to be affecting my wallet!! The next day, I am happy to say, Jewel recovered and was looking much better. I paid for the bill ($853.10) and the vet office sent in my claim. The next day I received an email confirming that my claim was received. I was very impressed. It’s nice to know that when you send something in, that the company acknowledges they have it, so you’re not waiting and wondering. I was even more impressed that on March 10th (TWO DAYS AFTER THE INCIDENT!!!!), I received yet another email with an outline of the claim and what was covered. EVERYTHING (not including the exam) up to 90%!! I was amazed. It was only a few weeks before that I had set up the insurance and I already witnessed the exceptional customer service this company provides. No additional questions or hassle!! My puppy was back at home feeling better and my wallet wasn’t feeling as empty as I expected. Thanks Trupanion!! I’ve already recommended you to many of my friends and I am sure you will have many many many more customers coming your way!!!
1

out of 5

POSTED: | BY: Debora

Hidden Exclusions

Trupanion claims to cover 90% but the decline all hospitalization - all recheck fees (including recheck of cultures and bloodwork) and all in office tests
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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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