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: Marguerite Forte

New Believer

I never believed pet insurance was worth the money until my dog had to be rushed to the Pet Emergency center. When I put my three month old puppy to sleep on a Saturday night she was fine, but by morning I could see she was lethargic and I knew something was wrong. I took her immediately to the Pet Er where x-rays showed she had pneumonia . She received IV fluids, antibiotics and oxygen. The final cost including x-rays was $2,000. After my deductible I received a check from Trupanion for $1,200 within two weeks. I received several updates about my claim. It was the best decision I made to get Trupanion as soon as I brought home the puppy home.
5

out of 5

POSTED: | BY: Ann

Great communication throughout process :-)

Pet lethargic and abnormal behavior.Trupanion notified me upon receipt of claim and kept me informed during the claims process via email. The claim was processed quickly and I received a check and detailed easy to understand explanation of payment about 1 week later. I am very happy with Trupanion and would definitely recommend them to other pet parents.
5

out of 5

POSTED: | BY: Ken

Money saver

Our 2 1/2 year old lab began vomiting a large volume of bloody gelatinous goo which was...disturbing, to say the least. We took her to our vet who sent us to an emergency vet who kept her overnight while performing a multitude of tests. I picked her up the next day along with some medication and a $2400 bill. We submitted a claim to Trupanion the next day and found their customer service to be very responsive. They kept us updated on the claim status as they gathered the necessary information from the vets involved and 2 weeks after the incident we were notified that a check was in the mail. After removing the cost of the vet exams (not covered) and our deductible, Trupanion reimbursed us $2000. Very satisfied! The only caveat is that the vet bill must be paid in full by the pet owner who is then reimbursed by Trupanion instead of the vet billing Trupanion directly. Overall we were very satisfied by our experience. The knowledge that we can afford to provide medical treatment for our dog without having to skip a mortgage payment gives peace of mind. Well worth the monthly premium.
5

out of 5

POSTED: | BY: Melinda flatt

Very satisfied

Very timely, veterinary offices filed my claim, and it was paid pronto!
5

out of 5

POSTED: | BY: Abbey

Spectacular Service!

I couldn't be happier with Trupanion and their processing of my claim for Abbey's emergency C-Section. The processing was extremely fast. Everyone I contacted was helpful and thoughtful. I'm go glad we have insurance with Trupanion and we plan to add our new puppy to our policy, when she's old enough. Thank-you!
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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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