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: KP

The best Pet Insurance

In 2012, I purchased only a basic pet insurance from Trupanion for my dog, Puffy, because of his vet recommendation since he was going to be 8 years old at that time. He was so healthy with lots of energy so I did not expect anything to happen to him. In the beginning, I thought I was just wasting my money but several months later Puffy could not walk because he had dislocated disc and needed back surgery right away. Without Trupanion, I won't be able to afford the cost of his surgery which came over $9,000, and he won't be able to walk again. Trupanion saved his life. Now, he is able to stand and tries to walk on his own but still needs wheelchair and theraphy sometimes. Last month, he tried to chase our other dog and jumped from sofa. I had to take him back to his hospital the next day for check up after he did not want to walk even on his wheelchair or urinate. The hospital bill came out over $1,000 and I was really concern that Trupanion would not pay for this bill because it already paid for his surgery a year ago. But I was wrong, within a week I got my reimbursement and I was able to pay back my credit card. Trupanion not only provides the best pet insurance, but the staff also keeps contact to check how Puffy is doing. As a pet owner, I really appreciate their service and concern. So, I decided to upgrade his insurance to cover more illness. Now, I am no longer worried how I can give my Puffy the best care if he will ever get sick again. I trust Trupanion and would hi
5

out of 5

POSTED: | BY: Jessica

Trupanion - Quick & Effortless

Our 3 year old pup had a skin tag that was growing quickly and needed to be removed and sent for biopsy immediately. We had our vet submit the claim to Trupanion the same day, but we anticipated it would be an extensive process before we received any word or reconciliation on the claim. But, to our pleasant surprise, Trupanion followed up within a week of the surgery and sent us a reimbursement within two weeks. We really didn't expect this to be so quick or easy, but are definitely happy we have Trupanion. Also, the biopsy results were negative. :-)
5

out of 5

POSTED: | BY: David

As promised

Only one claim experience, but Trupanion delivered exactly as promised and in a timely manner.
5

out of 5

POSTED: | BY: Tanner Burns

very satisfied

Have made several claims to Trupanion and have received my refund within days. My vet now directly bills Trupanion so I only have to pay my portion at the vet and Trupanion reimburses them the rest
5

out of 5

POSTED: | BY: Cheryl Amdahl

Excellent service

Our little dog developed cataracts in both eyes and became completely blind. Had cataract surgery in one eye and her eyesight is back in same. Submitted claim and received very a prompt positive response and a check shortly thereafter. Very happy with Trupanion.
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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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