Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,876

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: Christine Stavalo

Wonderful Company

My cat was diagnosed with having stones. This meant several trips to the vet office for the exam, checkup and follow-up. With each visit, brought a new claim form to be filled out and submitted. However, the claim forms were easy to complete by updating my personal information and submitting to my vet for their information. My Vet faxing the information directly to Trupanion and I received an email directly from Trupanion that claim form has been received and submitted for processing. Within the next week or so, I received an email from Trupanion that my claim has been processed and payment is being sent. I was really surprised to see that my claim was processed really fast. I also had contact their customer service several times and they have been always very helpful and nice. They are truly a awesome company to deal with and would recommend to anyone in need of pet insurance!!!
5

out of 5

POSTED: | BY: Kathy

CCL Rupture Repair

Having never made a claim we were a little apprehensive when we were forced to make a claim for a very expensive surgery for our GSD for TPLO surgery for her CCL rupture. We have been extremely pleasantly surprised by Trupanion's speedy processing and true to their word of the coverage we had. Sometimes we expect insurers to look for a way out but Trupanion has really impressed us with their assistance in helping our GSD get the treatment she needs and in her recovery.
5

out of 5

POSTED: | BY: Erin Kilfoile

Amazing!

I rarely go online to rate companies, but I feel compelled to write one up for Trupanion as they have been nothing short of amazing!! Not too long after I picked up Minka from the breeder, she ingested a rather large seed from a coconut palm in my parents' backyard. The next morning when I woke up to take Minka on her morning walk, she seemed constipated and vomited and it looked as if her stomach was slightly distended. I immediately brought her to the vet who had to surgically remove the seed that had distended her stomach to three times it's size! The bill was huge (around $3k) and I wasn't sure that my Trupanion pet insurance had "kicked in" just yet. Fortunately, even though the insurance hadn't become active just yet, Trupanion paid for the surgery and I think I paid around $750, as I mentioned Trupanion didn't have to do that and I consider Trupanion an amazing company and highly recommend it to any pet owner!!
5

out of 5

POSTED: | BY: Sandy Gargiulo

great service

I would never be without Trupanion as long as we have our pup.
5

out of 5

POSTED: | BY: Katie Rogers

Trupanion is the "king" of pet insurance

I have two papillons which are both insured by Trupanion. Unfortunately, I tend to have bad luck....but I always know they have my back. Recently one of my girls had a very rare tendon avulsion in her hind leg. She needed lots of xrays and an extensive surgery done by a specialist. We used our credit card for the purchases (which was over 2 grand) and within NINE days We had our money back the full 90 percent. Not only have I had great experience on the money side with Trupanion, but I am big on over the phone service. In the five years that I have been with Trupanion, I have NEvER gotten someone rude or that didn't know their stuff. They truly want to help in the best way they can. I feel very secure with my choice of Trupanion years ago and would never change my mind.
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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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