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: Toby

Excellent Service and Quick Payment

Extremely pleased with their professionalism on the phone and also their quick correspondence. Easy to fill out form and very helpful and caring staff. My vet is now only referring Trupanion to their patients. Our puppy has had some issues and I receive my reimbursement checks within days of faxing them my form and receipt. They may not be the cheapest or the most expensive, but worth having a good, caring company with no hassles.
5

out of 5

POSTED: | BY: Joseph F

Roscoe's life saver

Trupanion has saved my dog Roscoe's life, if I had any other insurance I would not have been able to have my dogs three operations because I would have had to pay out of pocket all expenses and then wait to have gotten reimbursed. With Trupanion I was able to have these operations performed immediately because I only had to come up with the 10% and the initial deductible. They have the kindest and most professional staff I have ever worked with. I have recommended Trupanion to everyone I know who has a pet and continue to ask even those I do know if they have a pet and if they are insured. This insurance is a must have if you love your pet. God Bless Trupanion and their entire staff. I feel as if you are part of my extended family.
5

out of 5

POSTED: | BY: jimmy

fantastically easy

My vet did it all for me. Deductible is great and monthly payments are low and easy.
4

out of 5

POSTED: | BY: AJ Levine

Satisfactory

Pleasant people handling the claim; claim handled efficiently. One area of disappointment - no coverage for "office visit" which was part of pet's treatment. Pet was ill, took her to vet, he examined her and charged for office visit and tests and meds. No coverage for office visit. It was NOT a wellness visit -- I think it should have been covered.
5

out of 5

POSTED: | BY: Dotti Snow

Very prompt service.

Annoyed with how premiums are going up, but cannot complain at all about how responsive and efficient Trupanion is to cover the costs.
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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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