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: Jo Ann

Supportive

Our Bella threw her back out, was in terrible pain, shaking, cryingRushed her to Vets. After exam, prescribed MRI and was on pain Meds for a week! But Trupanion was there for us as always, confirmed our claim immediately and we rec'd a cheque within a couple of days. We've had Trupanion since we she was a pup and have had some unexpected challenges but Trupanion saw us through it all. If you have a pet, you should definitely have Trupanion💕
5

out of 5

POSTED: | BY: J Stabeno

Really easy process, company stayed in contact

This is the second pet insurance company I have dealt with. My first experience was with VCA for our older lab. Trupanion is so much easier to deal with. They stay in contact every step of the way. They confirm when they receive your initial claim, email during processing and at the end with the final conclusion. I was very happy dealing with them for my first two claims. I have a 6 month old French Bulldog. She has had ear infections and had sinus surgery - Trupanion helped with a portion of both bills.
5

out of 5

POSTED: | BY: Mercedes

Good coverage, quick refunds.

I value having pet insurance, and while our monthly premiums are kind of high, its because we chose a 0$ deductible, which has worked for us. The only thing we didn't realize is that the taxes aren't included, which, for a smaller bill, you don't notice, but we recently had a very large vet bill (because our dog has cancer) and we really noticed how much we still had to pay, despite the 0 deductible and 90% coverage from Trupanion.
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5

out of 5

POSTED: | BY: LV

Always by your side

Trupanion has always been amazing. I've had several pets under their policy for a few years now. They have always been extremely easy to deal with, provide great customer service, and pay the claim. I recommend them to everyone I know! They are one of the only pet insurance companies that actually help you during emergency illnesses and accidents. Most pet insurances just help with things that you know are coming such as dentals and such, which in my opinion you can just save for over time. If something comes up unexpectedly then Trupanion has you covered.
5

out of 5

POSTED: | BY: Dale Denham

This company delivers on promises

I had a vet checkup at 12 weeks and signed up the next day under a no waiting plan. The next morning my puppy got very ill. They covered the claim as they promised. It took a little effort but that is reasonable given it was 24 hours after I signed up. I trust this company and am glad I signed up.
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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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