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: Aquanut

Peace of Mind When On the Other Side of the Globe

Go figure - we leave for a trip to a remote area with absolutely no internet access or cell reception, and our little guy gets bitten at daycare. We get an email from the daycare, they took care of everything on our behalf (love those guys), and in the meantime TruPanion got in there to do their part. By the time we got back to civilization, the claim was completed, little buddy was all good, and the portion to be paid to us was waiting in our mailbox. Quick, efficient, excellent communication, and a huge relief to have a wonderful paper trail when we got home. I can't speak highly enough of how well they handled everything, especially when we were completely unreachable.
5

out of 5

POSTED: | BY: Nana Sue

Best pet insurance ever!

Try to start your dog as a puppy. If a large dog, get the hip rider. I am so grateful I did with my rescue dog. Turns out she had a birth defect on her spine. She needed a hip replacement by 18 mo. It was covered. Had it not been, I'm afraid we'd have had to put her down because the expense is huge. Her monthly supplements are covered too. When I fax my bill to them on a Friday, I am usually paid by Monday through direct deposit. It is just fabulous!! Never had a complaint and I have 3 dogs on Trupanion. I recommend them to everyone.
5

out of 5

POSTED: | BY: Joe Sosa

Unbelievably Fast!

I am astonished at the speed my claims for Meowstro was processed. Both my feline Catpanions are enrolled in Trupanion. This gives me incredible peace of mind. Thank you Trupanion for taking care of Meowstro.
5

out of 5

POSTED: | BY: James Ness

Thank you so much

Thank you for being so easy to work with. This was a difficult experience and knowing you had us covered really meant a lot. I just couldn't believe it could be this easy to coordinate and it helped me expend more energy towards making the right medical decisions. I have recommended you to everyone that I know and will continue to do so. Thank you.
5

out of 5

POSTED: | BY: Peter Clingan

QuickTurnaround

Trupanion acted very quickly on my claim and had a Check out to me very quickly. It was much appreciated.
Please leave a review

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  
Provider website

Get a quote today

Leave a review