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: Lacey

Thank Goodness For Trupanion!

I am very thankful to have Trupanion for my pet insurance. My dog Bailey became very ill and I would not have been able to cover the cost to save her. Having my pet insurance through Trupanion is what saved my Bailey's life and I am very grateful. They processed everything very quickly and anyone I spoke to on the phone was very nice and professional. Thank you Trupanion for helping my Bailey :)
5

out of 5

POSTED: | BY: Heidi Wyant

Trupanion is amazing

Unfortunately my beloved dog has had some bad luck recently. He needed an MRI,two separate emergency vet appointments and several regular vet check ups. Trupanion has been amazing to work with. They are very responsive and quick to turn around claims no matter how large in price they are. I can't imagine where my puppy and I would be without Trupanion.
5

out of 5

POSTED: | BY: Lynn Brekke

Superb Service

Zebo has injured his ACL and we submitted all the paperwork for his injury - the paperwork also included routine care. They processed the claim in a week or so and automatically make the deductions for his regular care. I was amazed it really works just like people insurance. Highly Recommend.
2

out of 5

POSTED: | BY: Barbara Alton

deducible is not what I expected

When it said $200 deducible I thought 'a year', if not surely a illness. But NO the deducible is $200 a visit. My wonderful kitten went to the vet several times before finally being diagnosed with FIP. Each visit was the same illness but every time $200 was deducted Plus all 'examination fees' are excluded. A vet can't find out what is wrong unless the animal is examined Big rip off
5

out of 5

POSTED: | BY: Debbie Graham

Fantastick service!!!!!

We have been with Trupanion for over 10 years and have had quite a few claims, one over $5000.00. We usually have a cheque within 3-7 days. They are so helpful and kind when dealing with them. I have literally begged anyone I know with a pet to get this insurance as soon as they get their pets. It is more expensive if you wait too many years. As I have discovered that even for minor things the bill is usually over $400.00. Over a 10 year period we would have put out about $13000.00 of our money, so although it may seem hard to make those payments, you will be so grateful when it comes time to pay those huge bills. I worry that a lot of pets are not getting the medical care they need if there is no insurance, so do the right thing and be responsible, your pet will 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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