Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,182

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: David

Thank you Trupanion, you save my Dogs life and possibly my marriage.

Woke up to find blood filled vomit on our rugs and a very sick boy. We did go to the local vet and paid $100 for a check up, antibiotics, and something to coat the stomach - and advice to wait and see. Listless for days our normally bouncy boy just lay there. Decided to take him to a Vet hospital - blood work, an ultrasound later - we were at $1200 - with a $1000 deductible - insurance seemed irrelevant at that point, but then we learned something was blocking Peeve's intestine and surgery would be required. A child's plastic food toy later removed and a new total bill on about $5000 ... at pick up I mentioned we had the insurance and within minutes and direct billed our new total was $1750 (Deductible + 10% + taxes). Honestly - if we didn't have the insurance - I likely would have paid the $5000 - but had it been more - my wife's heart may have broken as we faced a financial reality despite our love of Peeve. I will so happily continue with Trupanion - I really hope we just pay them with no further need such that Trupanion returns to profit on Peeve and so the company continues to assist without hesitation others.
5

out of 5

POSTED: | BY: Doug Brandt

Good peace of mind when needing pet care

Excellent fast and knowledgeable service. Its like any insurance company. You only know how good they are when you need their service. Trupanion lived up to our expectation in what we were hoping to get when we got pet insurance for our dog.
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5

out of 5

POSTED: | BY:

you guys are great told Holly Hubley today they got a new puppy

you guys are great told Holly Hubley today they got a new puppy
5

out of 5

POSTED: | BY:

We've been happy with how easy it is to connect with Trupanion representatives and also how kind they have been over the phone and through chat.

We've been happy with how easy it is to connect with Trupanion representatives, and also how kind they have been over the phone and through chat. However, we are still uncertain if we've made the right long-term financial decision when it comes to ensuring appropriate healthcare for our beloved pet (as opposed to a savings account/investment with the bank). Only time will tell!
3

out of 5

POSTED: | BY:

Trupanion is good for emergencies but basically in my experience with our dog we pay way more in insurance then if I had to cover an emergency 100% but I guess that is what insurance is for emergencies.

Trupanion is good for emergencies but basically in my experience with our dog we pay way more in insurance then if I had to cover an emergency 100% but I guess that is what insurance is for emergencies. I am better off putting the money I pay on insurance and set it aside for our pets.
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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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