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: Jonathan

I love Trupanion! Alternative treatments covered

Very simple claim form. They also have claims express which is where they pay your vet directlyand that's right you just have a co-pay. I love my dog with all of my heart but I will not go broke or into debt for expensive medical bills. They also cover alternative treatments and I can consult with any veterinarian in the United States, Puerto Rico and Canada. Trupanion takes the financial worries away to allow me to make my own decisions for My dog's treatments.
5

out of 5

POSTED: | BY: Barb

Expensive First Year

If you have ever had a puppy, you know that first year can be an expensive one! Our little Berner girl had so many illnesses that first year. Luckily, I had Trupanion from before I even brought her home. If I had a question, I could email or pick up the phone. The phone staff is incredibly friendly and helpful... no matter how many times I call! They will walk you through anything. If I have a claim, I can email the form in, or mail it, or... best of all, my vet will file it for me! And it never takes long to get a notice that the check is in the mail. I love the flexibility of choosing my own deductible. I have a $0 deductible because you never know when an emergency will occur and I never want to be in a position when I have to decide I can't afford to treat my dog! Sometimes vet bills run into the thousands of dollars... why take the chance? I would rather pay a few dollars more a month. I will say that my rates did go up for year two and three, but I just got a notice that the rates will not go up this year! Over the lifetime of a dog, the rates are still reasonable and the savings definitely make it worth it!
5

out of 5

POSTED: | BY: Lorraine

First claim was a breeze!

My little Chihuahua, Pickles, developed Pancreatitis. He was so sick and it was quite scary. I was a little nervous submitting my first claim, not knowing what to expect. However, it was so easy. Trupanion approved it and sent me cheques right after I submitted each invoice from the Vets. Pickles is now back to eating and playing. Thanks Trupanion!
5

out of 5

POSTED: | BY: Scott H

Amazing, honest coverage

In their leaflet, Trupanion talks about how they won't deny coverage just because a dog is unlucky. Unfortunately, I have that previously unlucky dog. But Fortunately, and thanks to Trupanion, my pug has become incredibly lucky and happy and healthy. I am eternally GRATEFUL to the honest and wonderful people at Trupanion for the extensive coverage they provided. My pug is awesome now an looks like a puppy again, and everyone on the streets of NYC comments on that. Trupanion covered everything they promised to, did so cheerfully, and quickly. Amazing. I implore everyone who gets a dog to get insurance. If you can afford a dog, you can afford insurance, and it's the right thing to do. And if you do, please give Trupanion a serious look. They're amazing.
5

out of 5

POSTED: | BY: Michael Rotell

Shar - Pei fever

Trupanion answers my claim within hours. I usually get a check within a week if I reached the deductible for the claim.
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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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