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: Marissa Massey

Bailey's Full Hip Replacement

At eight months old our beautiful great Pyrenees, Bailey, was diagnosed with hip dysplasia. The recommendation was not one but two full hip replacements. It has now been two weeks since her second hip replacement and she is doing very well. Trupanion has been very quick to approve pre approvals as well as send payment for coverage. I love the fact that during the pre approval process for her first surgery, I left the vet and an hour later had a phone call from a Trupanion representative explaining the coverage. The fact that I receive emails with progress reports about our claims puts me at ease about the situation. We have not had to fight to receive funding for anything and that means that when my baby is sick, I am able to concentrate my efforts al on her. Over all, the insurance company has paid about $13000 to help my puppy become healthy.
5

out of 5

POSTED: | BY: Marissa

Trupanion is a great partner in caring for my cat

Trupanion is awesome. My cat (an 11 year old american short hair) has congestive heart failure. Trupanion has covered most of my claims relating to my cat's condition. I am so glad I signed up my cat for insurance with Trupanion.
5

out of 5

POSTED: | BY: Bonnie Nuttall

Wonderful financial safety net!!!!

Although we have always had pets(Cairn Terriers),we had never had pet insurance. Our new dog is a 2year old rescue terrier cross and we purchased insurance for her. It was one of best things I have done. It would be hard to rationalize spending over $3,000.00 on tests for a dog (although we already loved her) we have had for only 2months with any assurance of her being well.
5

out of 5

POSTED: | BY: Stacy

They are great and make it easy

We are very happy with Trupanion. They make the claim process super easy and we are fortunate we had this insurance as our pet will have medical needs for the rest of his life that they will help cover.
5

out of 5

POSTED: | BY: Sophie

Thank you Trupanion!

Great to deal with. Even though we don't know what is wrong yet they have been awesome. Customer service team is very understanding and calming --- even when i call in a panicked state. Claims service had been very efficient and I am so thankful for the service and the coverage.
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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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