Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,628

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.6
  • 4.7
  • 4.8
  • Count
  • 5
  • 357
  • 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.
1

out of 5

POSTED: | BY: Angela

Initial Claim Denied

I recently obtained insurance for my Blue Weimeraner with great hesitation. The very first claim that I supplied to the insurance company was DECLINED. My Vet was astounded by the refusal of that company to reimburse and is discussing with his partners about removing Trupanion brochures from his office. Be very leary of this company.
5

out of 5

POSTED: | BY: Scott Blaney

I would never own another pet without Vetinsurance

In July of 2007 we were fortunate enough to meet the new love of our lives; Cooper, a 8 week old Golden Retriever puppy. We were told when we purchased this little fellow that pure Goldens sometimes have issues and it would be in our best interest to purchase Dog Insurance. After doing alittle research we settled on Vetinsurance (Canada) / Trupaion (U.S.A.). As it turns out this may have been the best thing we could have ever done; you see cooper got very, very sick at 7 months old and we thought we would surely lose what had become our best friend. At the time your pet is sick you never think of the money or time that you spend but as we all know when the crisis is over which ever way it turns out there is always the cost to contend with. Hopefully the cost is only finacial.....well I am happy to say the finacial aspect was the only cost and by the time we had spoken with Vetinsurance we knew that was not much of a cost at all. Our medical bills were just over $1,200.00 Dollars and Vetinsurance reinbursed us for over $1,100.00 dollars. It was a very difficult time for our family as it would be for anyone but our story turned out great and that was in no small part to Vetinsurance / Trupaion. I would highly recomend this company to anyone looking for Pet Insurance. I want everyone who is reading this to understand I have never witten a statement like this before and may never again but please believe me when I say this is honestly some of the best money I have ever spent, and the only reason I do not give this a 10 is because nothing is absolutely perfect, but this is pretty close for an Insurance company.
5

out of 5

POSTED: | BY: Kate

Terrific!

Paid 90% - paid 1st claim within 10 days of filing - 2nd claim almost immediately! So glad we have Trupanion on our side! HIGHLY RECOMMEND
5

out of 5

POSTED: | BY: Matt

I'm Amazed

My 11 month old chocalate lab puppy caught a nasty bout off Colitis. I got him to the Vet and he needed tests to rule out obstructions, bloodwork and stayed overnight to get IV and medication to get everything under control. My Vet and I filled out all the paperwork and sent all his records since it was our first claim. I faxed all the information this morning and by this evening I was notified that my claim was approved minus my deductible and I would be receiving $435 on my claim. I figured at least 2 to 3 weeks, and can't believe that it was processed soo quickly. I'm relieved to know Guinness is covered and that this company will come through.
5

out of 5

POSTED: | BY: jeff

Paid 1st claim as promised

This was my first claim with Trupanion. I just signed up a little over a month ago and my puppy already got sick. I called Trupanion and they encouraged me to take my puppy in. I did and Trupanion quickly turned my claim around.
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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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