Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,139

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

VETERINARIAN: Little Paws Animals

POSTED: | BY: Susanna

Never go without a pet insurance

My dog is 14 years old now. Not a very healthy one. Lots of health issues when he was one year old. So glad I make the right decision to buy a Pet Insurance from Trupanion Canada the day I bought my dog. My claims were never declined and reimbursement was very quick each time. Customer representative is always sympathetic, caring and knowledgeable when calling them. Without a pet insurance, I definitely will not be able to afford the huge vet bills through all these years and my dog’s health being taken care of. My daughter has her pet insurance through Trupanion.
1

out of 5

POSTED: | BY: Bruce

Terrible run

They do everything possible to avoid paying. Er visit dog choked on bone.....oh sorry it's a visit and we don't cover that....ummm it's an er visit not planned...nope. oh and you tried a hypo allergetic food....so 2yrs later your dog has allergies...yeah no we won't cover it. It's not worth it. They go so hard w not covering you it is better to take a loan and pay that off. I seriously have to tell you they are scammers and will stop at nothing to prevent paying. And it's 500 deductible all the time plus no visit is paid for regardless.
5

out of 5

VETERINARIAN: Central Island Veterinary Emergency hospital

POSTED: | BY: Roland

There when we needed them most for our new puppy

We can only say that we were so thankful that Trupanion was there for us when we needed them most. The stress of seeing our brand new puppy in distress was overwhelming. As brand new customers to Trupanion we weren’t sure if that they would be there for us on day 2. The ease with which our claim was handled at the hospital was truly amazing. We highly recommend Trupanion to anyone that has a pet. The costs of veterinary services can be daunting and it helps in knowing that you can get the proper care for your loved little friends. Thanks Trupanion 😃👍
5

out of 5

POSTED: | BY: Natasha

Great customer service

We continued insurance that was provided from our puppies breeder. Unfortunately at 4 our dog declined rapidly and he was put to rest. Trupanion was so empathetic when I called to cancel my policy. This happened 2 months ago. Today I received a hand written card from trupanion sending their condolences. I will definitely use Trupanion again in the future
5

out of 5

VETERINARIAN: Vancouver animal emergency & referral center

POSTED: | BY: Loretta

Highly Recommend Trupanion

We had to say goodbye to our sweet boy Jack last night after battling a disease called PIMA for the last six months. To say we were stressed and ultimately completely devastated is putting it mildly. Thru it all a Trupanion has stood by us steadfast and true. We have not had a single problem with a single payment for our Jacks medical expenses at all. We cannot say enough good things about Trupanion. In fact we have had ALL of our pets, 2 dogs and 2 cats insured and we find the rates to be more than fair. We trust them implicitly for the best service and by extension the best care for our pets. We Highly Recommend them to everyone we know.
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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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