Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,184

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:

Many people often ask me why I purchased pet insurance for Bishop as they felt it was an unnecessary thing to do.

Many people often ask me why I purchased pet insurance for Bishop, as they felt it was an unnecessary thing to do. My response has always been I may never need the coverage but the peace of mind it gives me is important. In a perfect world, I would never have had to make a claim for Bishop but unfortunately, we found ourselves in a crisis situation, and emergency care was required to stabilize her, and moving forward ongoing testing and treatment will be needed. On our way to the Ontario Veterinary College with Bishop, I worried about the care, diagnostics, and treatments she would need to keep her as happy and healthy as we possibly could. During her intake examination I never once had to worry about the financial aspects of obtaining medical care and treatment for her – Trupanion meant the highest standard of care was available. I would recommend Trupanion to anyone considering getting a pet – the care and compassion I have received from the Trupanion team has been outstanding. My claims were processed and approved within 24 hours, and funds were directly deposited into my account. Bishop has a long struggle ahead of her, but knowing that Trupanion is standing behind us as part of her health care team has been a great comfort. Thank you Trupanion Team. Marie Hearn & Bishop
5

out of 5

POSTED: | BY:

Slick sign up

I would love a person to have contacted me to welcome me and my puppy to the program.
5

out of 5

POSTED: | BY:

Daytona Little spitfire

I found this site for insurance coverage for my pet and decided to purchase for her protection in the future and because your site is use friendly
4

out of 5

POSTED: | BY:

I am not happy that in order to receive money back you have to pay the deductible for EACH different case instead of one consistently.

I am not happy that in order to receive money back you have to pay the deductible for EACH different case instead of one consistently.
5

out of 5

POSTED: | BY:

I always get excellent service when working with trupanion this time was no exception.

I always get excellent service when working with trupanion, this time was no exception.
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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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