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: Melissa Krueger

Superior Service!!

I have had Trupanion for about 9 months. I have had several claims already. Trupanion sends an email as soon as the claim is received, another once it's being reviewed, and another with the results of the review. They detail the coverage and the payment. I have a zero deductible so I pay the vet visit then 10%. That has been the case with each claim, no surprises. Truly a professionally run business, allowing you to worry about what you need to worry about. My veterinarian has been working with Trupanion for some time, and highly recommended them. I consider my veterinarian very knowledgeable about insurance. They see the coverage from different companies. The doctor carries it for her pets, and so do the office managers and vet techs. I do dog rescue for a non-profit organization so my concern for my own personal pets is very important. I have seen families that can't afford to care for their pets due to health issues. I don't ever want to have to make that kind of decision. I have had other pet insurance coverage, and I am not running anyone down but I have been very pleased with Trupanion. I recently had an emergency vet visit. I was there for around 14 hours. On arrival I gave them my pet insurance information. There were no issues and I wasn't required to be put down a 50% deposit. Others without insurance were required to put a 50% deposit down before their pet could be treated. That day I watched many owners leave in tears due to losing their
5

out of 5

POSTED: | BY: Cheryl Bishop

Great Service

My best friend got Trupanion for her cat after I told her about the benefits of pet health insurance. It's literally paid off for her. Her cat had 2 trips to the emergency animal hospital, one which required surgery. Trupanion was good to its word: paid 90% of the bills excluding examination fees. My friend chose not to have a deductible so that helped,too. Without Trupanion, my friend would have had to have her cat euthanized because of the emerg. vet. costs. I also have Trupanion for my dog. She has a monthly Rx expense and Trupanion pays 90% of it. I, too chose a $0.00 deductible. I would never have another pet without getting it covered by Trupanion.
5

out of 5

POSTED: | BY: Flo

First claim takes awhile others are quicker

Very quick responses once the initial claim was approved. Customer service is very helpful
5

out of 5

POSTED: | BY: Keith

100% Satisfied

DJ caught bordatella as a young puppy and we almost lost him, but thanks to Trupanion, we were able to give him the care he needed and he has been a happy and healthy member of the family ever since. Trupanion provided nearly full coverage, at an excellent price, with no hassle or arguments, and quick reimbursements. Will never have another pet who isn't insured, and Trupanion is the only choice for us.
5

out of 5

POSTED: | BY: Jim Coane

New customer - great experience

We've had 2 little dogs (Maltese and Yorkie) for 10 years. No insurance and periodically some high vet bills. My neighbor recommended Trupanion so we bought 2 policies. Shortly thereafter, unfortunately,our maltese developed congestive heart failure. This has required multiple trips to the vet hospital and follow up visits to her vet. Trupanion has been a life saver, financially and otherwise, a true comfort and a "no hazzle" insurer. Bills have been promply processsed snd reimbursed. We've been truly surprised how smooth the experience has been...A lot easier and smoother than our health insurers have been in the past!! A definite A plus provider..
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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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