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: K. beehler

Much easier than expected!

I actually had been delaying filing a claim for allergy costs for my dog that had been building up thinking it would be a big hassle. I was pleasantly surprised at how easy and smooth the process actually was. Thank you Trupanion!
5

out of 5

POSTED: | BY: Gina

Quick Claims Turnaround

When my 9 year old Shih Tzu mix Lexi, was diagnosed with a devastating auto immune disorder, it was a comfort to know she had pet insurance. We were able to truly focus on getting the care she needed to recover without worrying about the cost. It was Lexi's first claim, and a large one. However, in less than two weeks, the claim was approved. And each time I spoke to a customer service person, at Trupanion, they were compassionate and helpful. I'm so glad we got our dogs covered, and are telling all our friends about our positive experience with Trupanion!
5

out of 5

POSTED: | BY: Angelo Scala

Trapanion save my dog's life!

My boxer Louie became seriously sick last summer due to a tick bite. He was diagnosed with Rocky Mountain spotted fever. The disease had caused hid liver and kidneys to begin to shut down. I had to bring him to a specialty clinic to be treated. There he remained in the Intensive Care Unit for 16 days receiving multiple types of treatment. While the prognosis didn't look good for a while, they tried everything to help him recover. Some of these treatments were very expensive! Without having Trupanion pet insurance, I would not have ever been able to give Louie the treatments he needed to survive. Because of trupanion comma Louis is close to 100% recovery. He is still being treated The expenses were astronomical. Trupanion had lived up to their word and covered everything they say that they do. I would recommend this insurance to anyone and everyone! It is the smartest decision I ever made!
1

out of 5

POSTED: | BY: Rick Thomas

over promise no delivery

Poor response.Escalating premium for a young dog. Poor follow up and just a really poor experience. My first "small" claim after only 18 months of paying premiums was denied as I see unfairly and based on "underwriting red tape".
5

out of 5

POSTED: | BY: Gloria

Outstanding

I was so frighten that Molly needed surgery. The surgery went well and Tupanion had my money back in my account within a week. Thank you for being there.
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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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