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: Denise

Puppy Insurance

We got Sarge our puppy Shepherd insurance the first visit to our Vets. Thank God we did, he got so sick all of a sudden and was hospitalized for two days and that cost was close to $1000. Trupanion was amazing they reimb. us exactly what they said they would and it only took one week. Much faster than my insurance plan with my work in reimbursing for medical expenses.
5

out of 5

POSTED: | BY: Mari

Awesome!

We joined Trupanion only 5 months ago. Just a few month after joining, we discovered a peanut size mass in my 11-yr old dog's anal sac. After being removed we unfortunately found out it is cancer and cells were still remaining in his anal sac. We have had several visits to the oncologist to figure out the right options and meds for him. It took about 3-weeks after our first claim was submitted to receive the first check since they review your pet's previous medical records, but the first check came with checks for the additional 4 claim that were submitted - almost $1800! In such an already emotional and stressful time Trupanion has given me the greatest peace of mind. I know with Trupanion I am giving him the best healthcare available, not just the best healthcare I can afford.
5

out of 5

POSTED: | BY: Leslie

Luxating Patella Surgery

Excellent company! Would highly recommend them
5

out of 5

POSTED: | BY: JAN

excellent service

They keep you informed on the progress and claims are processed fast. I have had other insurance and they are true to what they say. Exceed my expectations
5

out of 5

POSTED: | BY: Maritza Cedeno

THE BEST PET INSURANCE !

My husband and I have always been pet parents to several pets at a time during the years it has been extremely expensive to take care of medical expenses( credit cards ! ). So when we took on the next generation I started looking into pet insurance but could not find one that made good sense. The biggest expense a pet owner has is when their pet is hurt or sick..really dont need the yearly shots for physical to be covered. SO GOODNESS I came across a trupanion pamphlet at vet office and looked into it.THIS IS IT!! I signed up 4 pets , 2 yorkies 4 years old and 2 cats maine coon 5 years old JULY 2010. I had decided to do the zero deductable so I would have less out of pocket expense if needed medical attention. Well much to my surprise one of my yorkies Maggie needed surgery Sept 2010 for a ruptured R CCL and the bill totals $ 2347.00 , reimbursed back 90% $2112.30 !!! Then my poor Maggie gets bladder stones in April 2012 cost $ 2128.00 got back $ 1915.20 . Then again she gets a big bladder stone Sept 2012 costs $ 2266.50 got back $2039.85.. I WOULD HAVE BEEN AT WITTS END !! I know about the credit card pet charges for your pets welfare , most of my charges used to be vet care.. I TALK TO MY FRIENDS AND ANYONE WHO ASKS ABOUT PET INSURANCE ..THIS IS THE ONE TO HAVE !! THE STAFF IS HELPFUL IN CONTACTING YOU ON CLAIM PROGRESS AND THEY EVEN ASK HOW YOUR PET IS DOING.. ( so nice that they care ) .. AGAIN I HAVE FOUR PETS SIGNED UP and so far my other 3 are fine AND I AM SO
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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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