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: Garth Knudsen

Excellent Service

In my 75 years I have only experienced two companies who live up to their Advertising one is Trupanion (the other is Michelin X ICE tires)I would recommended your company to ANYONE Most in surance cos promise the world but offer every conceivable excuse to lessen or refuse claims
5

out of 5

POSTED: | BY: Jodie Fry

Trupanion is a lifesaver with True Compassion!

Dogs have been a part of our family for over 30 years, but we never even thought of buying pet insurance until adopting our Bernese Mountain Dog puppy last year. We knew this breed had a history of cancer over time, so we elected to purchase Trupanion insurance coverage in order to have options, should we be faced with hard treatment choices. What we didn't know is that at 8 months of age our puppy would suffer with seizures and would soon be diagnosed with epilepsy. MRI's and other diagnostic tests are pricey. The medications are beyond expensive and will be lifelong. Purchasing Trupanion early-on was a stroke of genius, even though we didn't know it at the time. Not only have they provided extremely rapid approvals and reimbursements for our dog's care, they do so with extremely personalized and professional service. They communicate with true compassion. We are so grateful to be able to make medical choices for our dog that are based on his needs and not the price. This is all because of the exceptional coverage, care and compassion of the folks at Trupanion.
1

out of 5

POSTED: | BY: Julia Fitzsimmons

Wrong one

Dr's visits are not covered, nor is the tax or 10% of everything else. After the $300.00 deductible has been reached I was left with a hefty bill. Though there are no limits on this plan I now think I chose the wrong plan as there will be a $300.00 deductible on every illness.
5

out of 5

POSTED: | BY: Susanne Adkins

Best Insurance We've Ever Had!

Our vet told us about Trupanion when we asked if any insurance would cover more than the insurance we had at that time. He said he doesn't know the details bcs they don't get involved with insurance papers, but from what he's heard from his clients, Trupanion is the one that they said pays the most, the fastest. And it's true! We LOVE Trupanion; wish we started with them all the years we wasted on our previous mediocre insurance company!
4

out of 5

POSTED: | BY: Andrew Fotopulos

Excellent service and follow-up along with payment

Trupanion responded on a timely basis and kept me updated with a status. I actually was surprised that the check was for more than I expected and this is the second time within a year receiving benefits from this insurance policy.
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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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