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.
5

out of 5

POSTED: | BY: Andrea

Nice experience with first claim

My young golden evidently got an insect bite by his eye so his eyelid was all swollen. Took him in because it was a bit scary and something could even have been stuck in his eye. The claim process was super easy and they paid exactly as I expected :)
5

out of 5

POSTED: | BY: Cris Quinn

2 dobies

One of our little puppies hurt his paw and y'all were right there and so helpful, he is just fine and you put the fee on the deductible so thank you so much. In the wink of an eye I received an email from y'all after the vet office contacted y'all. Thank you so much, wonderful service!
5

out of 5

POSTED: | BY: Jeff &

So grateful!

We have never carried pet insurance on previous pets. After thousands of dollars in veterinary expenses and losing our beloved dog to his illnesses, our vet encouraged us to obtain a policy with Trupanion when we adopted a new mixed breed puppy almost 4 years ago. Our new pup was generally healthy the first 3 years of his life, but acquired a Canine Papilloma virus this year. His case was unique and severe and required several surgeries and a new vaccine created by Georgetown University. Our veterinary office filed all of the claims on our behalf at each visit. All of the claims related to this painful and disfiguring condition were approved and paid directly to the veterinary office (thereby reducing my out-of-pocket expense). It's so much easier to pay the monthly premium, than face a veterinary bill for several thousand dollars (more than once!). Having this coverage has saved us money and allowed us to make these medical decisions easily for our four-legged family member. I can't say enough great things about Trupanion and encourage all of my friends to consider covering their furry friends.
5

out of 5

POSTED: | BY: Morgan

Prompt and reliable

After Morgan's surgery I submitted the claim to Trupanion and within one week they took care of it. I am very pleased with their service and will continue to have Morgan covered. Thank you.
1

out of 5

POSTED: | BY: Amy

Must pay deductible for EVERY ailment

Premiums have continued to increase (started at $40/month), now 4 years later they are over $75/month. They say as soon as you hit your deductible they cover 90%, but that's for EVERY ailment. My Pug had to have surgery on her ear, but it wasn't covered even though she's had tremendous issues with her ears. They considered it different and so we had to pay the deductible AGAIN. She's now had to have two surgeries and neither was covered. I tried to cancel but was convinced to stay last year because we had already hit "all our deductibles" but they just returned our latest surgery claims as denied due to needing to pay another deductible. I have paid $3,000 in premiums plus thousands in vet bills they didn't cover. I wish I had self-insured, would have been cheaper!
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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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