Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,882

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: Adelina Savala

Trupanion is the best insurance!!

I adopted an American Staffordshire Terrier. I was told that Trupanion was a very great insurance to have for my dog. I'm so happy I chose Trupanion. She had to have a TPLO surgery and they were very efficient with everything she had done . One year later her other leg had to have the same surgery and Trupanion approved it right away. They are excellent and I would recommend them to every dog owner I know. They are awesome. Now my dog has had two TPLO surgeries and they have paid for all of 90% of the nearly $10,000 in bills, What Insurance pays that amount? No one!! Thank you Trupanion!!
5

out of 5

POSTED: | BY: FC

Pet insurance that works!

Trupanion did an awesome job. My kitty hurt herself and my regular DVM recommended that I see a specialist to clarify the Diagnosis. The pet insurance did everything that they say they do and all claims were processed within a week. That was on top of me calling at least three different times to ask questions. The customer service was excellent.
5

out of 5

POSTED: | BY: Kim Shelton-Brown

THE BEST EXPERIENCE EVER !!

Sadly our Bullmastiff fell sick with Hermangiosarcoma recently and was close to death....This is not about the vets as I have already posted about them this is about Trupanion....What a wonderful experience we have had....gentle, caring, passionate and the best customer service experience I have ever had....they took the financial stress out of a terrible situation and literally gave our baby boy the chance to live.....he underwent major surgery and is now on chemo therapy.....all of which appears to be a success at this stage.....Trupanion have been nothing short of brilliant and the hospital also say the same ! The CEO even responded to me when I said a personal email to him thinking me for my custom and wishing Boscoe a speedy recovery....The CEO !!I have told as many people as I can about this company and I hope that everyone who has a beloved pet insures with Trupanion !
5

out of 5

POSTED: | BY: Diane Germain

great

My beautiful dog Ripley was diagnosed with an adrenal tumor, after 14 days of getting her stable an adrenalectomy was done. Having Trupanion insurance made it easy for us to decide what was best for Ripley and not base our decision on finances.
5

out of 5

POSTED: | BY: Sheila Hudson

Excellent Service

We had Teddy tested for allergies and found he is allergic to grass and weeds. He will have to take allergens for 3 to 5 years to cure him of his condition . We submitted Teddy's claim for the testing, which was $964.00 to Trupanion and had a cheque within 2 weeks for 90% of our claim. Plus Trupanion is paying for his ongoing meds. Trupanion notified us by email as to status of our claim. We could not be more satisfied with Trupanion service.
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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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