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: Erin

Great experience! Second operation, hassle free

Our little yorkie has had a rough life with a liver shunt surgery and now, a patella luxation. Both surgeries were scary for us but we didn't have to worry about our coverage once! $60 a month for 3 years and we have submitted nearly $6,000. We also like the direct payment with our vets because all we have to do is pay 10% and the tax as trupanion reimburses our vet directly. Thank you so much!!!
3

out of 5

POSTED: | BY: Carol Comish

Insurance covered over half of my bill

My 15 month old golden retriever ate a homemade marshmallow Christmas ornament (pins and all). The total bill was about $1,200. and the insurance covered more than half of it. I was happy although wonder why vet physical examinations (2) for this was not covered by policy.. It is hard to diagnose without examining a dog and second vet could not put dog under anaesthesia without a physical exam.
5

out of 5

POSTED: | BY: Kristi

Fast payment

My dog went to the emergency vet for "gastroenteritis". She stayed for the day on IV fluids and had xrays and blood work done. Turns out she was fine and may have had a stomach bug. But it still cost $913.00. The vet office submitted my claim and I received an email from Trupanion within 1 day and was payed 90% of the cost minus my deductible. I received a cheque in the mail within the week. Very fast and efficient. Any other future vet visits regarding this stomach bug would be covered as well. It is worth the monthly fee as we have had to use on other occasions and its nice to not have to worry about the cost of care.
5

out of 5

POSTED: | BY: John S.

Pit Bull Terier Wonded by other animal & Cushings

My Vet. told me Trupanion was the best pet insurance company , so I signed up both my dogs , (the other a Chocolate Lab).It has been one of the best investments , I have made . So far they seem to be on top of things , & fair in most situations . I would highly recommend them to everyone whom has a pet . It seems like Vet. costs are very similar to human medical . Without it I may have had to put one or both down .
5

out of 5

POSTED: | BY: Lupe Mendoza

Thanks for Trupanion

I am a pet owner of a 3 1/2 year old english bulldog with a 1/4 mix pug, his name is Bernie. On my first visit with his new Vet they highly recommended pet insurance and had all the brochures so that I could decide, which I did and choose Trupanion, Thank God. Bernie just had TPLO surgery 3 weeks ago, he ruptured his left hind leg ligament. Recovery time will be about 8 - 12 weeks. I am so happy that I made the decision to carry insurance on him when he was just 6 months old, believe me it definitely paid off with his recent surgery and the customer service I have received from Trupanion has been painless and so professional and they truly care. I would highly recommend to anyone to make this choice as I did. Also, submitting my claim was so simple and receiving my reimbursement check within 2 weeks was amazing, it was easier than dealing with my own health Insurance carrier. Thank you 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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