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: JHGannan

Very Timely

Mast cell tumor excised partially--level 2-requiring 16-tradition treatment. Trupanion was patient regarding my inquiries on how to best submit claims. They eliminated any stress regarding claim reimbursements by sending out detailed claims as processed. Claim checks came out as processed showing running balance and credit on deductible and co-pays.
5

out of 5

POSTED: | BY: Christine

Great customer service and easy to use!

This is my first time with pet insurance and I was a bit leary thinking it would be a nightmare submitting claims. However it is really easy to use (my vet submits on my behalf) and then I get a receipt in the mail with an explanation of the service and coverage, followed by a refund when the deductible is met. Once the deductible is met, all subsequent visits/medications for that issue will be taken care of. So pleased with their customer service when I have called with questions, and the service in general is worth the monthly fee. Thank you TruPanion!!
5

out of 5

POSTED: | BY: Tommy

Best Pet Insurance

Trupanion has been by my pets side since she developed skin and food sensitivities. They have always been very professional and caring for my pet when i have spoken to a representative. This is the first time i have had pet insurance and i am very pleased and impressed with the service i receive from Trupanion.
5

out of 5

POSTED: | BY: Kathi Brockman

Thank you for prompt and hassle-free claim filing!

My little buddy had to have a tumor removed and tested for cancer. Have had Trupanion insurance for years and this was the 1st time having to file a claim. There are several options as to how to file - mail, email, fax - making it easy. The response and repayment was surprisingly fast - received an email in 1 or 2 days to let me know how much was covered and when to expect reimbursement. It's reassuring to know that my buddy is in good hands & will not be neglected good health care ...which makes for a happy pet-mom! Thank you, Trupanion!
5

out of 5

POSTED: | BY: Stephen Tanenbaum

Our Max cat thanks you!

Max is now 14yo and retired from his former youtube fame. In youtube search window type: worldromer worlds best cat exercise video ... Enjoy. Max was not eating + some other symptoms. Diagnosis was lymphoma. Instead of dreaded news the Sage center oncologist prescribed a regimen of steroid + chemo pills w/98% no side effects. Max is doing great, gaining weight and with no overt symptomology. Docs say he can be with us for years to come. Bills over $2,000 and Trupanion came through for us.
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