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: Linn Carbonneau

Terrific

We had to take our dog to an emergency vet and then he needed additional surgery at our usual vet. Trupanion allowed the full cost and paid 90% of the cost. We are so glad we enrolled our puppy right from his first well puppy check up!
5

out of 5

POSTED: | BY: Ingrid Frank

faster than a speeding bullet!

First time claim, no hassles, updated us online and paid promptly. Wish my "people" health insurance was that fast and efficient.
5

out of 5

POSTED: | BY: carol

Relieved!

Our dog was just diagnosed with cancer. Happened very quickly, thought at first to be renal but after pathology confirmed to be sarcoma. I have had Trupanion for about 5 yrs or so. After a couple of yrs the rates went up and I was going to cancel, thinking well the premiums will come out to be the same as the cost of an illness. Well I never cancelled and sooo glad I didn't. Over 3 days we had to pay about $6000 for tests, admission to critical hosp, surgery, ICU, meds Drs fees etc. Trupanion was great. I called to be sure we were covered & they were very caring and helped immensely. Knowing we did not have to decide on care based on money really helped to focus on our dog. We submitted our papers for her care and within a week had reimbursement- amazing. We also were advised to have a pre-approval done for chemotherapy, should she need it. We did & received the quote very quickly as well. For anyone thinking of getting Trupanion, or stopping it , believe me, it is a life saver. Can't say enough about them, they helped us through a very emotional time with our Corgi & will praise them always. Thank you Trupanion!
5

out of 5

POSTED: | BY: Ethan

Tumor removal

My puppy needed a small mast-cell tumor removed a few weeks ago. We had the surgery done and Trupanion covered what they said they would with no hassle. My puppy is doing great!
5

out of 5

POSTED: | BY: Maria Bristol

Excellent insurance!!

We have been so grateful we chose to purchase Trupanion for our senior dog. It's been a godseand. Our once very healthy dog has developed a urinary issue which the vets are still working up. It has been a huge relief not to worry about compromising on her care due to the cost. We have saved so much money already. I have been so pleased, that I added our cats. I have also posted a glowing recommendation on my Facebook page. Our pets are a part of our family and deserve the best....Trupanior makes it possible
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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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