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: Michelle Dorey

I have had Trupanion insurance for Kali…

I have had Trupanion insurance for Kali since she came home with me at 8 weeks old. I have put in claims for minor things and have never had any issues with them. I have peace of mind knowing whether its minor or major medical issues Trupanion has our back! And I love that its for more than medical as well!!
5

out of 5

POSTED: | BY: Alaina

The best thing you can do for your pet

We started with Trupanion seven years ago. Seven years we went without so much as a medication claim. This year my sweet boy Miller was experiencing lameness which after many many medical visits and tests, turned out to be cancer. Trupanion was the best choice we ever made. He was seen by 3 different vets, he had multiple rounds of xrays and blood work, an ultrasound, a CT scan, MRI, a spinal tap, chemo therapy, and a week in intensive care at the hospital. We exhausted the hospitals diagnostic and treatment options, and we were able to give him the BEST care and ALL of the treatment options without having to worry about the financial side of pet care because of Trupanion. It didn’t matter if I called at 6AM or 11PM someone who genuinely cared always answered and I never waited more then 5 minutes on hold. They helped me submit preapprovals so I always knew I was covered, and they very promptly paid the balance afterwards. They made such a difficult and emotional situation soo much easier by removing the stress of payments. Unfortunately he did not win his battle with cancer, but he had the absolute best care, and that includes his insurance. Not only do I tell everyone who will listen that they MUST have pet insurance, I tell them they need Trupanion. It was the best decision we made for our pet, and I hope others make the same choice.
4

out of 5

POSTED: | BY: Al Boulianne

Peace of mine for our loving pet

Peace of mine for our loving pet. Always a phone call away and ready to help.
5

out of 5

POSTED: | BY: Tonie Carreiro

Best pet insurance company ever and…

Best pet insurance company ever and I’ve tried a few!
5

out of 5

POSTED: | BY: Teresa Mirabelli

We have Trupanion for our Havanese dog Daisy

We have Trupanion for our dog Daisy. They are responsive to our need, easy to work with and gives us great peace of mind to have our dog insured with them!

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 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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