Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,882

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: Debra Jones

Thankful and satisfied dog lover

We are so grateful that we made the decision to protect our valued and beloved service dog, Tanner. He recently suffered a stoke in his spinal column that paralyzed his back legs. We feared he'd never return to service again, but he made a miraculous, yet expensive recovery. Thankfully, Trupanion was efficient and quick to get our reimbursement of over $3,200 to us. The process was smooth and they were very considerate and even followed up to wish Tanner well. I will continue to have them as our provider and recommend them to all who love their fur babies!
5

out of 5

POSTED: | BY: Alejandra

Pet Insurance

Trapanion showed it cared about me and my dog, they acted quickly as my dog needed emergency surgery. I was very appreciated how they acted to ensure my dog was taken care of and I was too.
5

out of 5

POSTED: | BY: Maihlon O'Carra

absolutely the best insurance ever for pets

Everyone at Trupanion that I had contact with were helpful, caring and patient with me. Leo's (dog) veterinarian bill was reimbursed quickly with issues and we we thankful for that. As well as Leo is doing well in his healing process from the knee surgery and should be ready to play like a big puppy soon. I tell everyone I meet with a pet about Trupanion and how wonderful the insurance is al well as the staff that I dealt with. Thank you Trupanion.
5

out of 5

POSTED: | BY: D Elisabeth

Life-Saver for your pet

Trupanion pet insurance has been a literal life-saver for my girl Isabella. She had to have both knees reconstructed in 2014 and had some complications. Trupanion came through with all the coverage promised and made it possible for my girl to have a good quality of life. They continue to cover her pain management at 90% with no lifetime cap of costs. WONDERFUL company.
5

out of 5

POSTED: | BY: Carol B.

Reimbursement came quickly and process was easy.

You never know until you need to file a claim if it will be easy and reimbursement will be made. When our dog needed hip surgery, we received 90% of the $3,000. claim as promised. Everyone who answered the phone at Trupanion was helpful and the claim was quickly processed.
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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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