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: Alexa

Best service!

In the summer, our cat was in acute kidney failure. Nearly a week in the emergency hospital and $3,000 later, we took her home with chronic kidney disease. Trupanion quickly fulfilled everything they promised in her policy, making the process of claims and reimbursement completely painless. Now, our cat has ongoing treatment for her chronic kidney disease - which Trupanion is continuing to pay for without any difficulty. Their claims are processed very quickly - faxed one day, direct deposit practically the next. And even when we were worried when the official diagnosis changed - from acute kidney injury to chronic kidney disease - where other insurance companies might use it as an excuse to reset the deductible, Trupanion didn't blink an eye. We insure both our dog and cat with Trupanion, and will continue to do so with them, and all of our future pets.
5

out of 5

POSTED: | BY: joanne

BigHeart company

Trupanion helped us a lot, Sam my 7 year old sharpei, got sick, my bill at the specialized hospital went up to more than $5000 and I got 90% of what I have paid for the hospital bill. We are so thankful that we got the best insurance out there. Our Sam is doing great, fully recovered, thanks to Trupanion, we know that we can give the best care that Sam deserves. I am a member of a sharpei forum and I always mention that this company is the best out there....
5

out of 5

POSTED: | BY: Katrina

Fantastic!

I thought about pet insurance for a long time, I thought that I could try to save $$ in a savings account for if anything happened to my dog, after a few months of savings I only saved $160. My neighbor had mentioned pet insurance one day and I began to think about pet insurance a bit more, I looked at a few companies and found that Trupanion had many excellent reviews. I enrolled with them and good thing I did - 1 week later my dog tore her cruciate ligament!($2500 - much more than the $160 I had in my savings!)Trupanion was quick to preapprove her diagnostics and her surgery and sent out her check the next day after her surgery. I am very happy with Trupanion and will never go without!
5

out of 5

POSTED: | BY: mortimer

on going claim

Very satisfied at this time
5

out of 5

POSTED: | BY: Amy

Incredible Service

We are so grateful to have insurance on both of our dogs. One dog has never needed it (thankfully). However, we have had to use it far too much with our other dog. That being said, the service has been incredible. It is easy to make a claim. They are fast with confirming received claims, and letting you know how much is covered, and then sending the checks. Also, the few times I've talked to someone on the phone they have been very kind and helpful.
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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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