Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,879

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.
1

out of 5

POSTED: | BY: Kelly Leblanc

Well you all didn't include other expenses that have been sent and associated with my dogs surgery therefore I didn't meet the deductible.

Well you all didn't include other expenses that have been sent and associated with my dogs surgery therefore I didn't meet the deductible. I pay you all each month and then when big stuff happens - you don't apply it? I don't get it? It's also not preexisting... thanks.
4

out of 5

POSTED: | BY: Karen Colwell

It is getting increasingly expensive and as my cat Nutmeg is relatively young I wonder if insurance is necessary.

It is getting increasingly expensive and as my cat, Nutmeg, is relatively young I wonder if insurance is necessary. She is an indoor cat and therefore does not come in contact with dangers or harmful bacteria/viruses. So many routine costs are not covered given the amount I am paying. However, I have faced the situation where having insurance probably was a break even experience on a number of occasions. Kidney failure in a young cat, as well in an elderly cat and when my dear dog, Gabby, developed a tumour on her brain. So I keep on paying and hope that I really do not have to make use of it but it is there if I need it.
4

out of 5

POSTED: | BY: Steve Bradford

Dogs give so much to us.

Having insurance on our 2 dogs has been a godsend. When one of our girls was diagnosed with DCM, Trupanion made it possible for us to give her the vet recommended medication without the a second thought. Her last few months of life were filled with high quality living; walks, play time and sleeping with our other dog. When we knew it was time (every dog owner knows when it is time for last good byes). Some of the expense of a home visit by a veterinarian was covered. We were able to treat our girl with the upmost love and respect. It would have been a heavy expense if not for insurance.
4

out of 5

POSTED: | BY: Tasha Lowe-Newsome

Covered Cats

I like the availability of phone support. Everyone I have dealt with has been professional and friendly. I wish a little more was covered. With three cats covered it can get pricey, but they are young and I expect to get good use out of having insurance as they age. I wish I had had it with my previous cats.
5

out of 5

POSTED: | BY: Tanya Richens

Good experience

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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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