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: Scott Richey

Atopic dermatitis and R-Leg Tear

River my Chesapeake * years old has two conditions:Condition 1. Cranial cruciate ligament tear (Cruciate Rupture (ACL, CCL) Condition 2. Atopic Dermatitis. We had Trupanion since River was 3 years old and I love there fast payments for claims and customer service. I would highly recommend them .
5

out of 5

POSTED: | BY: Beverly

Fast, easy, uncomplicated

My claim for my pets hospitalization was processed within a day of my submission. I discovered that initial emergency examinations were not covered so that was a bit of a surprise, but overall I am extremely happy with the insurance this company has provided.
5

out of 5

POSTED: | BY: Carol Marangoni

Superb company!

My Golden Retriever suddenly became lame on his right rear leg on New Year's Eve (figures it would be a holiday). I brought him to the vet on Jan 2nd thinking he had broken a toe, but it turned out he had a rapidly spreading infection that had already infiltrated the bone. He had an x-ray, antibiotic injection, blood tests, and was sent home with antibiotics & several supplements to help clear the infection and support his immune system.The vet's office faxed the claim to Trupanion that afternoon, and that same evening I received an email from Trupanion saying they would send the money to my bank account within a few days. Same day service! They covered 90% of everything (less the deductible & physical exam)- they even covered the supplements that the vet sent him home with. This company is phenomenal! I have a dog business & routinely talk to my clients about their pet health insurance & it is clear that Trupanion is the best, hands down. After hearing of my past experience with Trupanion, quite a number of clients have signed on or switched over from other pet insurance companies. I am so happy to have this health insurance for my dog! I only wish my own health insurance company was as good. Thank you Trupanion!
5

out of 5

POSTED: | BY: Wendy Del

Trupanion Review

I will recommend Trupanion Animal Insurance to everyone I know who have animals. My little Macy suffered a serious head trauma and needed to be hospitalized for many days. She had a serious of tests done including, an MRI and a spinal tap. Needless to say, the vet bills were in excess of $4,000. I submitted my claim to Trupanion and within a few weeks time, I was reimbursed 90% of my costs...with no hassle! They are a great company to work with and my Macy has made a full recovery!
4

out of 5

POSTED: | BY: Liana Lentz

Easy and efficient.

It was really easy to submit a claim and I appreciate the insurance company requesting the medical records from the vet rather than me having to be the middle man.
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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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