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: Susan Hatt

Truly, A Life-Saver!

I signed Jesse up for health insurance with Trupanion the day I brought him home at eight weeks of age - thinking, at the time, of possible costly end-of-life expenses. Three years later, while we were wintering in Tucson, AZ, he contracted Valley Fever and almost died. Since then he has been on an antifungal medication which is quite expensive. He is now eight years old and it's keeping him alive and healthy. While on these meds he has no symptoms at all and is a happy, loving pup! Trupanion pays my claim for his meds each month with no questions asked. Without my Trupanion insurance, Jesse would be dead because I could not afford to pay for the anti-fungal (over $500) every month for the rest of his life. I am so grateful!
5

out of 5

POSTED: | BY: Anne Brinkman

Thankful for Trupanion

We are so thankful we have had our almost 10 year old dog signed up with Trupanion since she was a pup. She developed bladder stones last year and needed surgery and just recently developed issues again which could have led to more bladder stones. Trupanion was there every step of the way during this difficult and expensive experience. We appreciate their support and timely responses with the insurance claim and recommend insurance with Trupanion to all our friends.
4

out of 5

POSTED: | BY: Tania Simard

Satisfied pet mom

I always have had great service whether it's over the phone, pre-approvals or when sumbitting claims. Fast reimbursements, which is great. Detailed refund report. Definitely recommend their service anytime anyone asks. Tania - Pet mom to Piper.
5

out of 5

POSTED: | BY: Rick Moorey

Trupanion is a safe and reliable…

Trupanion is a safe and reliable company that you can insure will be there in the event on an injury or upset in your pets health
4

out of 5

POSTED: | BY: Julie Burgess

Trupanion provides me with reassurance

Trupanion provides me with the reassurance that my beloved dogs will be able to have any required treatment necessary to keep them well. When my NSDTR needed emergency lifesaving surgery, I was able to focus on caring for her without worrying about finances. And Trupanion responds with a thoughtful follow up.

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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