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: Donna Thomas

The handling of my claim

The staff at trupanion was great, they offered comfort and they were truly concern about the well being of my dog. My claim was handled with utmost importance. Thank you to the staff. Dash is doing well.
5

out of 5

POSTED: | BY: Kip Krieger

excellent emergency coverage, fast reimbursement

We researched a number of pet insurance companies and chose Trupanion's emergancy policy as the best suited for our young female saluki mix, Cleo. Rather than try to cover her routine expenses, which are relatively easy to budget, we decided that we should cover any emergency situations, which are usually the most costly and least prepared for. In hindsight, the best value in such coverage is that when an accident happens you are not forced to make major decisions about your pet's future based upon financial considerations. In other words, since the insurance covers 90% of all accident-related expenses, there is no reason to skimp on the necessary medical procedures. We have a very active dog who runs with us daily in a wooded park near our home. Several years ago she started lifting one of her hind legs on our return from the woods. Our vet diagnosed a torn ligament in her knee and gave us the choice of surgical repair or just letting the dog live with it. He said that many people don't want or can't afford the expense of surgery (around $2000-) and choose to do nothing. The animal eventually gets used to its reduced mobility and doesn't seem to experience lasting pain. Because we had our Trupanion policy we never thought twice about opting for the surgery, and after 4 months our Cleo had 100% of her mobility again. The surgeon advised us that it was possible that she might sustain the same injury in the other hind leg, because after recovering they tend to put more weight
5

out of 5

POSTED: | BY: Judy Shoemaker

Best Pet Insurance

My Pomeranian is insured with Trupanion and was diagnosed with an enlarged heart and bronchitis. She takes medication for both daily. Trupanion paid for 90% of her testing and for 90% of her meds related to these diagnosis. I really love this insurance. It's the greatest
5

out of 5

POSTED: | BY: Dr. james

Piper's experience

Piper, our 1 1/2yr old Portuguese Water Puppy became ill this past month. She was admitted to the Veteranarian Hospital here in Victoria, received 2 CT scans and other laboratory and physical exams. She was kept in the hospital overnight until she had improved. The costs for treatment and care of Piper were extensive, but we were so grateful to have insured both Piper and her sister Charlotte with Trupanion, when they were babies. Trupanion contacted us immediately to reassure us of their concern. They relieved the financial pressure by sending a cheque immediately, after reviewing the details. This covered the majority of Piper's medical costs during her illness. We were so very grateful to have had a caring Insurer who was prompt and very helpful during a difficult time. Thank you Trupanion.JB
5

out of 5

POSTED: | BY: Shiela Nelson

Best insurance for pets!!!

Trupanion representatives are so attentive and caring! They are the best! Without Trupanion's help, we wouldn't have our puppy with us today.
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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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