Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,883

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: Leslie Foppe

Trupanion is the best pet insurance

Trupanion has been better than any medical company for people!!!!!I wish my personal insurance worked as well! We would have never been able to afford our puppy's hip surgeries, which were diagnosed before a year old. My puppy's Orthopedic surgeon was shocked at first how Trupanion even paid the claim, and second, how quickly they paid the claim. Every claim we made has been processed within a few days and usually by the next day.
5

out of 5

POSTED: | BY: Kristi Neill

The Best there is!

This company is awesome, I have even changed my other dogs to this insurance so we could have them all on the same plan! In my opinion, this is the Best pet insurance out there! Our vet/specialist bill was very expensive and they are paying just like they said they would 90%!
5

out of 5

POSTED: | BY: Debbie Fiamengo

Fast claim processing

This was the first time I had to use our policy and expected to take some time before we heard anything. However, I was extremely and pleasantly surprised when one week after I had mailed my forms and paper work I received an email advising me that the payment was on it's way. Great and timely service.
5

out of 5

POSTED: | BY: Janet Leeder

Top-Notch Company!!!!!!

I am very impressed with Trupanion. When we first adopted our Yorkie, Tiny, 3.5 years ago, he came with a month of free insurance. Within a month we noticed a tiny was having problems with his hip. The breeder offered to take him back and send us a new puppy, but we were too attached after just one month. We continued to keep the Trupanion coverage and within the first six months receive the benefit of over $1800 towards surgery cost. There was never any questions or problems. Just recently our little boy had seizures so we had to take him to the vet - after $300 in bloodwork we have an answer. He'll be okay. Our vet submitted the paperwork to Trupanion at noon yesterday and by 8pm I had confirmation of payment! That is first class treatment!!
5

out of 5

POSTED: | BY: Lisa C.

Payment for Surgery

I have a one year old black Pug who was diagnosed with FHO (Femoral Head Osteonecrosis. Tupanion was helpful over the phone with request for claim forms. They paid my claim promptly without any questions. I am very please with their services.
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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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