Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,145

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: Henry and Jan

Trupanion saved our Ragdoll kitten

Our ragdoll kitten was diagnosed with pancreatitis. He was very sick and in enormous pain. Our Trupanion insurance provided him with the best testing and Veterinary care possible. He was in intensive care for 3 days. He had 2 ultrasounds and was on a miriad of intravenous medications to save his life. Trupanion saved our kitten’s We don’t know what we would have done without Trupanion. We are so grateful. Henry and Jan
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5

out of 5

POSTED: | BY: Richard

Spectacular Response and Service

Our 5 plus year old Bernese Mountain Dog cross contracted mast cell cancer on his lower leg which required surgery and a skin graft and a two week stint in a specialty vet hospital.Trupanion was there with us all the way paying their share of the Bill's directly through the hospital. Our dog has made a full recovery and is cancer free. Thank you Trupanion. We signed up with Trupanion when our dog was 9 weeks or so old. What a life saving move that was!
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5

out of 5

POSTED: | BY: Carol

I am so incredibly grateful for the…

I am so incredibly grateful for the care that we have been able to provide to Maizey because of the coverage of Trupanion. Thank YOU.
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5

out of 5

POSTED: | BY: Mike

Get Trupanion - You’ll be glad you did

For years I had paid into Trupanion and was fortunate enough to never have to make any considerable claim (beyond small medication), but recently it was required that our dog undergo 2 emergency operations, which had significant costs associated with them. I called Trupanion and they immediately put my mind at ease, and helped walk me through the entire process. They were phenomenal to deal with - everyone I spoke with was extremely sympathetic, understanding and helpful. I cannot say enough good things about Trupanion - I have recommended them to everyone I know who has a pet, and I recommend you give Trupanion a call if you haven’t already, you’ll be glad you did.
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5

out of 5

POSTED: | BY: Riley

Two new knees and a brand new dog

Two new knees and a brand new dog Our dog Jacks is super fit and active, and loves fetch like no other animal alive. He tore his K9 ACL and was completely non-weight bearing at the age of 2. Trupanion covered the costs of his entire surgery, follow ups, X-rays, and then the other leg when he did the same thing 3 months after recovering. He also managed to rip off three cones, completely destroy a wire crate, and shred whatever we put between him and ripping out his stitches. Again, Trupanion was great and easy to deal with all 3 times we needed to get him re-stitched. I could not recommend this peace of mind more.
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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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