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: Betty Perry

Trupanion was there when we needed them

We paid only for Vet Exams. All covered costs were paid promtly. Our total Vet bills were close to $6,000 and we were reimbursed for over 83% of our total claims; all within one week of the claim. It was reassuring to know we wouldn't have to borrow money before bills became due for Emergncy Care and Surgery. We considered this "catestrophic" insurance when we bought it; never thinking we would need it. Fortunately we had the insurance when our dog needed it -- Trupanion was there for us every step of the way. They made our ordeal bearable during a very stressful time. As a result of our experience, we have recommended Trupanion to all of our pet-loving friends.
5

out of 5

POSTED: | BY: Amy Radka

Fabulous to Work With

Straightforward policy - easy claim process - quick refund of checks. I'll never have a pet without insurance again. It brings a lot of peace of mind to know that money will never be an issue with my dog's care.
5

out of 5

POSTED: | BY: Ciara S

Best Insurance!!!!!

I did a lot of research before I ended up with Trupanion to cover my 65lbs. baby~! He recently has undergone TTA surgery and Trupanion has been with me every step of the way. They have been very prompt, friendly and covered 90% of that $3,000 surgery. I went through the pre-approval process and had my check shortly after the surgery. Jake, my dog, had a follow up xray and they even covered that. ***I couldn't praise Trupanion enough.*** The truth is you never know when you are going to need insurance but, you will be thankful to have Trupanion when the time unfortunately comes.
5

out of 5

POSTED: | BY: laura renwick

great!

the claim was put through very quickly and the team was very helpful through the whole process
5

out of 5

POSTED: | BY: Julie

Quick Reinbursement

My dog Desi had to have surgery for cherry eye. The claim was submitted and within a couple weeks, 90% of the cost was covered by Trupanion. They were courteous and kept me up to date with where my claim was at all times.
Please leave a review

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  
Provider website

Get a quote today

Leave a review