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: Lisa Pijoan

They say what they'll do and they do what they say

Very happy we got Trupanion back when we got our puppy Abby three years ago! We got it for her and our older dog Cody too. It has been such a comfort knowing we have it and everything is exactly as is represented. Both of our dogs have had on-going medical issues and Trupanion has not shied away from paying the bills. We met our deductible on both illnesses and they pay 90% of the covered expenses everytime. It's easy and I will never have dogs again without it.
5

out of 5

POSTED: | BY: Robin

Excellent

My beloved senior Labradoodle ruptured both ACLs simultaneously and it was a huge relief knowing Trupanion would handle our claims quickly and fairly. Having the assurance of knowing her specialty surgery and physical therapy for recovery was covered allowed us to concentrate solely on her needs and not worry about paying the associated costs. Trupanion payed the claims promptly and without question. Our girl is fully recovered and walks 2 miles per day. Thank you Trupanion for helping us help her!
5

out of 5

POSTED: | BY: Becky Cahill

Remarkable service!

I took Jake to the vet, he had been acting "just not himself" and I was concerned. Which sounds kind of lame now that I think about it, but my vet examined him, took some blood for testing, asked a lot of questions. His bloodwork showed low thyroid and she wanted to send it out to another lab for further testing. I said of course!Luckily, I had Trupanion insurance on Jake. My vet completed the form and faxed it in. I had an e-mail from Trupanion within two days, and a reimbursement check within 10 days. And a nice thank-you from Trupanion for taking care of Jake! I am so impressed with the quality of this insurance and highly recommend it to everyone!
5

out of 5

POSTED: | BY: Talie

Great pet insurance

Great pet insurance fast return on claims. Save my dogs life.
5

out of 5

POSTED: | BY: Linda Zalkin

Excellent service

We couldn't believe how easy the process was. Submi form get payment very easily

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 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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