Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,189

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: Gowtham Parasuraman

You can never go wrong with Trupanion!!!

I've heard from people that pets don't need an insurance and that you can put money aside instead for a rainy day. TRUST ME when I say this. You can never be financially prepared without an insurance. Not every pet is the same. Some pets like my pup would be more sensitive and more prone to fall ill or decide to bite off a sharp pin from under the couch and swallow it in under 3 seconds. Do you have any idea how much it costs for an endoscopy to take a foreign object out of their stomach? It's ridiculously expensive and you don't want to go through it without insurance. But thanks to Trupanion, they paid for the treatment and saved her life which otherwise would have been a huge hit to my wallet. Paying $100 or less a month is any day better than an unexpected $6000 bill destabilizing your budget. And the best part of Trupanion Pet Insurance is that there is no maximum claim limit for a specific illness/ treatment. While the deductible is reset for each condition/ treatment, it's still awesome to know that you'll never run out of claim limit. A small premium you pay for your peace of mind.
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5

out of 5

POSTED: | BY: Tonya Handerek

I am not sure I can truly express how…

I am not sure I can truly express how impressed I am with the service Trupanion provided. I was skeptical with pet insurance, as a lot of folks are. But all I can say is thank the heavens I decided to sign up last month. I was just approaching the 1 month mark when my pup Peaches decided she would eat a foreign object. I brought her to the vet, I told the tech in passing, I just signed up with Trupanion last month. She had surgery to remove the object, and by the time I picked her up at supper, I had received a text from Trupanion that $1,116 of my claim was covered. I was truly shocked considering I didn't even submit the invoice, it was all completed by my vet's office, with something I said in passing. So to say I was impressed is an understatement. Between the vet's office and Trupanion, I am one happy customer! Thanks again. And Peaches is recovering nicely.
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5

out of 5

POSTED: | BY:

Happy with Trupanion

We've been very happy with the Trupanion Program and have advised friends of this.
5

out of 5

POSTED: | BY:

Therese, Big momma to yorkie Russ

We were very fortunate to have gotten insurance and I highly recommend it and you the company to my dog friends!
5

out of 5

POSTED: | BY:

Good insurance, a must for pet owners

Trupanion is fast to reimburse for expenses, when the amount is small - a few days. For larger amounts, it takes weeks. But they are good and professional to deal with.
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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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