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: Amrita Srini

Trupanion is simply THE BEST !

OMG, where should I begin, my 12 years and 6 month old other wise healthy Pug would not eat but drink only water and vomit that too...this was going on for 3-4 days before I traced out where our vet Dr. John O'Dea has moved, long story short, he referred us to VCA San Leandro, an Oncology speciality for pets. That please is very good too. Tuesday night Dr. Kristen Danielson examined my Pug, Veeran in the emergency at 8:30, and she stabilized him with an IV. We went back the next morning at 9:30 and he was prepped for Ultra Sound, Dr. Tong radiologist, did his part and Surgen Dr. Kimberly Carlson, took over Veeran along Oncologist Dr. Christine Merrick, both the vets shared the diagnosis with us and gave us options.., by looking at the ultasound images,we think it is intestinal Cancer, is operable and our dog was taken into surgery from Ultasound ....we accepted and shared Trupanion info with Sarah and before Veeran was taken into surgery, I received an email from Trupanion, that the procedure for my dog is pre approved. This is why I am giving a 10/10. That peace of mind at that time in our live is worth every year we paid our dues to Trupanion! My dog is 12. 6 years old and We choose to go for surgery, why because I cannot see my dog in pain and let him die in front of me...without us trying to save him and so we tried....and boy are we glad we did. The diagnosis remains the same same. That surgery gave him a second chance ! Thank you Trupanion! You are truly a BFF 👏👏👏 Sincerely, Amrita, Veeran , his family & friends
5

out of 5

POSTED: | BY: Matt Rice

As Advertised

Very reasonable claims process and I was reimbursed quickly. If only human health insurance were this efficient :)
5

out of 5

POSTED: | BY: Mahesh Sane

Best Customer Care Company

I loved their service and prompt payment
5

out of 5

POSTED: | BY: Beth C

Absolutely the best!

We took out our policy when our King Charles Cavalier was 13 wks old. She is now 6 yrs old and has been diagnosed with multiple medical conditions common to the breed. She has had extensive testing, two surgeries and is on life long medication. Every single time I have submitted a claim it has been paid within just a few days! On the occasions that I have had to call Trupanion my questions have always been answered with utmost professionalism, but even better has been the degree of concern they have shown for making sure my sweet girl gets the best care, They are 100% the very best! Thanks you Trupanion for being such a wonderful company!
5

out of 5

POSTED: | BY: Caitlynn

There when we needed it most!

If it weren't for Trupanion we would have never been able to pay for the emergency tests, and treatments our Great Dane Max needed. They were quick to help us in our time of need, and knowing we have Trupanion gave us the freedom of not worrying about the costs of tests and emergency surgeries Max needed. We always recommend them to our friends and family, or even just people in the vet office thinking on if they should get it or not. We will always be thankful for all the help Trupanion has given us, Max is alive today because we were able to pay for the surgery to save his life.
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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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