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:

Because my experience so far has been all positive and Beau my Goldendoodle has been taken care of without worry.

Because my experience so far has been all positive and Beau my Goldendoodle has been taken care of without worry.
5

out of 5

POSTED: | BY:

My cats angels who look after me ??

Trupanion is a company I can rely on to take care of my cat and that is why I recommended them to my daughter in law who is now with them
5

out of 5

POSTED: | BY:

You are quick to respond to requests even if it is just an automated message indicating that my claim has been received and you will get back to me soon.

You are quick to respond to requests even if it is just an automated message indicating that my claim has been received and you will get back to me soon. It is easy to call and speak with a person and your coverage seems reasonable.
5

out of 5

POSTED: | BY: Monika Nink

When I thought no one would help or understand my situation Trupanion was there!

I'm so grateful that I have pet insurance! Yesterday morning I woke up to hear my dog Spencer unable to catch his breath, sneezing and coughing. He was congested and struggling. So I wrapped him in a towel and drove to the 24hr. VET Emergency Clinic (Clinic). To make a long story short I had to pay $500. upfront to the Clinic, before I handed them my dog, also adding to the stress for both my dog and me I wasn't allowed to go into the clinic because of Covid. 20mins later I received a phone call from the Vet Tech. explaining what could be or maybe the issue and that they'd like me $4,500. upfront before they begin any of medical tests, X-rays, blood tests, etc. The Vet Tech let me know that the amount was an estimate. If the cost was lower the difference would be me. If it cost was higher I would have to pay the difference upon invoicing. I called Trupanion to see if they could help. The person (I wish I remembered her name) who answered the phone was so kind and understanding. She calmed me down and said she would see what she could do. Even though Trupanion could give the money up front they did get a preapproval done and made me feel they were on my side. It is very stressful when your pet gets ill and needs medical assistance. Thank you Trupanion!
5

out of 5

POSTED: | BY:

10 out of 10

Always always an excellent experience. Fast efficient service.
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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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