Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,183

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:

the staff are very helpful my last 2 client helpers have been there for me every step of the way even though coverage can't occur they are helping navigate a trying situation and show compassion for feather it means alot.

the staff are very helpful, my last 2 client helpers have been there for me every step of the way even though coverage can't occur, they are helping navigate a trying situation and show compassion for feather, it means alot.
5

out of 5

POSTED: | BY:

Fabulous quick service!

The claim was easy to make, and was evaluated and paid out within days of the surgery that our dog had. We were very gratified.
5

out of 5

POSTED: | BY:

The simplest and best pet insurance

Super easy! The policy is simple and the website answers all of the basic questions regarding the insurance. And calling the help line regarding a question more personalized to my situation was super fast and the employee who helped me was extremely helpful and prompt in answering my questions.
5

out of 5

POSTED: | BY:

Results were reported quickly

Results were reported quickly
5

out of 5

POSTED: | BY: Linda Nilsson

Don’t get a pet without Trupanion on your side

I will start off like some other pet owners by saying that I didn’t have insurance for the first dog I owned and quickly regretted that after my poor baby somehow ingested a sewing needle. The needle had made its way through his intestines and poked holes in his spleen and it was on its way into his liver which required him to have immediate emergency surgery. I was stressing and working to get approved for a loan in order to pay for the bill of over $4,000. I was so worried. That was the day I started to look into pet insurance for both my dog and cat and quickly chose Trupanion based on their coverage and their amazing customer service members who explained how everything would work. They completely put me at ease. My cat passed 6 years ago and I was devastated. Trupanion was so compassionate when I contacted them to have her removed from the insurance. I received a handwritten card in the mail not long after with their condolences. Very touching and I felt it came from such a genuine place. I haven’t needed to use my insurance much until recently when my doggie was diagnosed with arthritis in his lower back. They have made it easy and it saves me so much money. I know that he will be fine if he ever needs more intervention. I am so grateful for other people who share their love of animals and are there to help when our pets needs it.
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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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