Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,883

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: Vicki Russell

Gastric Upset

Belle had a terrible stomach ache that lasted for many days with diarrhea and vomiting. She ended up very dehydrated and needed veterinary care. She spent two nights in the hospital on IV fluids and antibiotic. Her tests did not show any GI obstructions but she did show overgrowth of the natural bacteria in her stomach. She came home with more antibiotics and probiotics. At home she did well for a couple of days and then the symptoms returned. She went back to the vet for a half day of observation and some subcutaneous fluids. She slowly recovered over another week at home and is now back to her normal goofy self.
5

out of 5

POSTED: | BY: karen

Timely

I appreciate that i get an email with the details upon Trupanion receiving claim and usually payment within 1 week of that. We are trying to find out my dogs illness, so i also like that once the deductible was paid, the rest of the testing is all part of the one condition.
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 !
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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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