Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,154

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: Jeanine

Pet Insurance is saving my dog from a painful life

My previous dog had cancer. I didn’t have insurance and had heard that it wasn’t worth the money. I spent all of my savings on chemo for him. When I got my new dog I was afraid she would get cancer one day and I would not be in a financial position to pay for it. I never wanted to be in a position of putting my pet to sleep because I didn’t have the money for health care. My vet recommended Trupanion and I chose a 1000 dollar deductible to keep my premiums down. I thought that I would be able to cover vet costs unless she was hit by a car or ended up with cancer when she was older. My new puppy seemed happy and healthy until she was 5 months old and I noticed she limped after a busy day. She also started to have a problem with yeast in her ears. Now my dog is 20 months old. Her ear problem has continued and I have now spent more on her vet care for her ears than my deductible. While it is nice that costs associated with her ear infections is covered now, I could come up with the money to pay for it. Her problem with limping, however is a different story. My beloved dog Calabaza has elbow dysplasia in both front legs. Without Trupanion I would not have been able to pay for the CT scan that was required to confirm the diagnosis and plan the course of treatment let alone pay for the treatment. Without treatment my beautiful golden retriever would suffer from arthritis as her elbow joints disintegrated. As a pet owner who considers her dog a member of the family it would have been devastating to have to decide between helping my pet or financial ruin. Luckily, I don’t have to make that decision, thanks to the Trupanion policy I purchased. I am so grateful to have Trupanion. Within minutes of the specialist vet telling me Cala needed a CT scan I received an email telling me what Trupanion would cover and how much my portion would be. My dog is having surgery in a few days and I can spend my time deciding how I will manage her aftercare instead of trying to find a way to covèr the cost. Thank You Trupanion!!!
5

out of 5

POSTED: | BY: Wandalee

So happy I had Trupanion

1st claim, easy to use with direct billing. They even covered 50% of the cost of her prescription food to help with urinary issues! Highly recommend.
5

out of 5

POSTED: | BY: MARIANNE

heartfelt thank you to everyone involved with caring for Sterling and myself.

there are few words that best describe my gratefulness in your care of Sterling and myself. The timeliness of getting Sterling in for an appointment was essential , the professional examination and research the vet did was so very comprehensive, my appreciation is beyond words. Thank you all so much , from the depths of my heart! You are wonderful!
5

out of 5

POSTED: | BY: Sabine

always extremely happy with Trupanion

very satisfied customer for over a decade with 2 furkids i have recommended Tupanion countless times . if you feel you cant afford the premium , you definitely can not afford to be without health coverage for your pet .it is very expensive to treat any illness,way way more than coverage.
5

out of 5

POSTED: | BY: Joe

Trupanion always stands behind Chester and come through for us when we need it

Trupanion always stands behind Chester and come through for us when we need it
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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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