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: Lisa Atkins

All my pets have Trupanion!

I personally should do the commercials for Trupanion. I have three dogs and a cat and I can't imagine them not having pet insurance. At sometime in every pets life something will happen where they require some veterinary care. It's comforting to know that no matter what happens they are insured and can be taken care of. My great Dane has Cushing's disease and her meds each month are cheap but because of Trupanion we are able to take care of her. My daughter's cat just had to have his back leg amputated and he is still alive and happy because he has insurance with Trupanion. I tell everyone about Trupanion and the benefits of having insurance for their pets. When I say everyone I mean strangers and people who don't care. I'm an insurance for your pets pusher. I believe in Trupanion 100% they have never denied a claim or given us a hard time. Don't know where our pets would be without it. Thanks Trupanion
5

out of 5

POSTED: | BY: Shontay Krystofiak

COULD NOT BE MORE PLEASED

My 1 yo Pitbull pup decided, unbeknown to us, that eating underwear was the "cool thing to do"....that is until he woke up unable to keep food down. We took him to the ER, where we discovered his love of underwear after he vomited up a pair (oh buddy)....they took Xrays and did an ultrasound and determined he had a blockage. He had emergency surgery that night (enterotomy). We went from vomiting in the a.m. to surgery in the p.m. It was a sad state of affairs for us and we felt SO bad for him. BUT he recovered beautifully and Trupanion was SOOO helpful. They started working on his claim right away and kept me very informed on where the claim process was with daily emails. I even called one night, very late, and was able to talk to someone when I had questions. They are open 24 hours a day! How sweet is that?! 1 week post surgery, I had a check in my hand for 90% of my sweet boy's surgery cost. This could not be better timing as I didn't have an extra $2500 sitting around before Christmas. Needless to say, we now know that our Pitty is an under garment eater and we have baby gates up and all laundry is put in appropriate places....which has resulted in 2 young boys keeping their rooms clean! Extra bonus.
4

out of 5

POSTED: | BY: Sarah Laundy

Great service

Very happy with service. Took a great deal of stress out of a very stressful situation.
5

out of 5

POSTED: | BY: Auggie

Dec. 2014

I feel this company is extremely fair, in my experience signing up with them will be an asset in the monetary requirements of responsible pet ownership. It is superior in all ways to my other carrier but I cannot change due to existing issues and the age with my first pet.
5

out of 5

POSTED: | BY: Amy Parkins

8 months of sleepless nights

After 8 months of dealing with sleepless nights while Wedge • gasping while sleeping • 24 runny nose 3 surgerys later, Soft palate trimmed, Rhinoplasty and Sliding Hernia operation I am now comfortable to report that our crazy, awesome, funny, lovable pug is finally sleeping with reduced gasping, no runny nose, he can breath 1000 times better, he isn't sucking his stomach in. Bonus his breath doesn't smell bad anymore too. He is almost back to normal. Thank goodness for the decision 8 years ago to sign up for pet insurance. Trupanion has helped out on all surgerys. What could have cost us $8k or more. Cost $800.
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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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