Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,189

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:

Excellent service!!!

The service I received when enrolling was second to none. Very friendly and knowledge and answered all my questions. Hard to find such great customer service these days, it was much appreciated.
4

out of 5

POSTED: | BY:

easy to sign up but the information needed to compare was spread across the website and required multiple pages open at once. the actual signup was easy and quick.

easy to sign up, but the information needed to compare was spread across the website and required multiple pages open at once. the actual signup was easy and quick.
5

out of 5

POSTED: | BY:

Best pet insurance experience

CCL tear with my beloved pup. Trupanion processed claims quickly and easily and made this entire process so much easier. Thank you
5

out of 5

POSTED: | BY: Denise O'Neill

Highly recommend Trupanion

Highly recommend Trupanion for pet insurance. Sadly, my Labrador Retriever was diagnosed with elbow dysplasia and cruciates disease at a very young age. Essentially, she has four bad legs! As a pet owner, I found this so disheartening. Thankfully, we bought pet insurance when we first got her as a puppy. Equally thankful that dealing with Trupanion is effortless. I especially like that there is direct billing through our vet, and also through the vet hospital. Unfortunately we didn’t add the rider that covers hydrotherapy and laser therapy until after her diagnosis - so we’re out of pocket for these expenses. As such, for an extra ~$5 per month, I highly recommend a person to invest in the rider as well. Needless to say, Trupanion is by for the best pet insurance company. I have friends with pet insurance through other companies, and they’ve had nothing but trouble in dealing with them. Trupanion ROCKS!
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5

out of 5

POSTED: | BY: Tina M

The best investment for your pet

The best investment for your pet! I got insurance for my teacup Chihuahua as a puppy & Trupanion has been great. When he got really sick in 2018 they were super helpful - covered costs in bot Canada and the US. They knew me every time I called in by my phone# & always asked how my dog was doing. I received a card signed by everyone I had dealt with over the two month period -so sweet! They paid over $55,000 in costs which gave us 2.5 extra years with our furbaby. When he passed in Jan/21 they refunded part of the monthly premium and cancelled the policy (without me having to deal with anything) and I received a condolence card in the mail signed by everyone. Great thoughtful company!! Premiums can go up - it’s insurance that’s the way it works. 100% worth it thank you Trupanion.
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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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