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: leona galvacky

It is worth having Trupanion!

Truepanion is not only an insurance company, they are people who also have pets and big hearts. I am so gled I have trupanion, I didn't have a claim in four years, then our dog, Quigley , got sick. If it weren't for the Trupanion team and all their help and support, our quigley would have died because we would not have been able to get his medication without insurance. It may be another expense to consider, but in the long run well worth it. Claims are prompt and courtious with follow up questions about Quigley;s health. They are really deoted, I am quite inpressed!!!Leigh
5

out of 5

POSTED: | BY: ALISON

EVERYTHING WAS GREAT

ALL WAS GOOD, DIDN'T REALLY EXPECT THE REFUND THAT I RECEIVED SO WAS VERY HAPPY WITH THE OUTCOME WITH THE INSURER. THANK YOU
4

out of 5

POSTED: | BY: stacey Lyev

after first claim. quick turnaround for claims pro

Customer service at this company is good. When u call them they are very helpful.Unfortunately I have had to use this service a number of times in my puppy's short life, but so far they have covered every thing like they said at 90% . Thank goodness it looks like our dog is better now. Hopefully we won't need to use it again for a long while!
5

out of 5

POSTED: | BY: Alicia

What a relief!

My baby had a moment of naughtiness that sent him to the vet...he untucked my comforter and proceeded to chew on the thread that held it together. He ate quite a bit and then had some that was hanging from his mouth...all the way from his stomach! My vet fixed him up within a few days and I was so happy to learn his insurance would cover this...I get picked on all the time because he has insurance, just as a person would, but I had the last laugh when I was able to take him to the vet, get him the care he needed, and be able to afford the payment. Thank you Trupanion!!
3

out of 5

POSTED: | BY: Tomoko Sato

A tad disappointed despite great staff

Appreciated the detailed breakdown of cost and reimbursement - well laid out and easy to understand. The turn around time of my reimbursement was reasonable. It's disappointing that I am expected to pay the vet up front first, especially for large amounts. My dog needs to go for surgery. It will cost over $3000 - funds which will take me many months to save. If Trupanion could pay my insurance portion to my vet directly, I would be able to get him into surgery now. Since they won't do that, it will be another 4 months before I can afford the surgery. I feel this defeats the purpose of getting insurance.
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