Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

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: Louise Last

Our boy Tank ❤️

We have had our dog Tank on Trupanion since we brought him home as a 3 month old pup. He is 10 years old turning 11 in a few months There is no words to describe how grateful we are to this company. Our boy is one of those unfortunate ones that has had health issues… starting with his knees both needed to be repaired .Allergies drove us nuts until they could be found out and remedied. Then he developed cancer in his rear leg. Due to how Tank is proportioned body wise to lose a back leg would be a death sentence for him. So he fought bravely through the operation and recovery ❤️‍🩹 Then came the infection in his rear leg a stain of flesh eating disease a infection that was hard to beat. With sear perseverance his back leg was saved. Trupanion has never blinked at what it cost to help our dog and let me tell you it has been a lot of money! They still to this day cover the medication that is required to make our boys life more manageable. That being said I would like to also say … I would give my eye teeth to have had my boy not go through what he has had to endured to live. I would gladly have paid my premiums monthly and have my boy sail through life unscathed. Peace of mind is priceless. My dog is one tough boy and Trupanion is his guardian Angel . Thank you from the depths of my very soul 🙏🙏🙏
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5

out of 5

POSTED: | BY:

I have an ongoing medical issue with my pup and putting in the claims forms is so easy

I have an ongoing medical issue with my pup and putting in the claims forms is so easy
4

out of 5

POSTED: | BY:

Zero deductible?

I would have chose 10 except the agent didn't suggest I have the zero deductible for the first month. Just think that would be the best first month option as a show of good faith for new customers. Other than that great experience.
5

out of 5

POSTED: | BY:

Peace of mind pet insurance for your cat

Because I have peace of mind that everything is gonna be OK if something happens to my cat and I would like to share that feeling if someone else has a pet and hasn't got insurance yet.
5

out of 5

POSTED: | BY:

Fast and efficient

Fast and efficient
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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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