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: Debora

Trupanion..a must have if your have pets

Great. Highly recommend Trupanion and do our best to promote amongst friends, family and acquaintances. Without Trupanion we would have had to say goodbye to our 2 Savannah cats as they both have developed major health issues. One having treatable cancer but with out Trupanion we wouldn't have been able to afford the testing and surgery to remove the tumor. We hope to have Jasper around for many more years.
4

out of 5

POSTED: | BY: Janette

first experience with pet insurance

Our claim was started by our vet's receptionist and had a response from Trupanion within 48 hours. Was completed in 4 days. Very fast and efficient.
5

out of 5

POSTED: | BY: Julie

Desiree and Derek were extremely helpful very compassionate.

Desiree and Derek were extremely helpful, very compassionate. Had me looked after very quickly! Very professional caring employees during my difficult time.
5

out of 5

POSTED: | BY: Jim

ALWAYS, ALWAYS, ALWAYS EXCELLENT SERVICE

ALWAYS, ALWAYS, ALWAYS EXCELLENT SERVICE. THE BEST CHOICE WE EVER MADE FOR OUR PET. KEEP UP THE GREAT WORK TRUPANION! KUDOS!
5

out of 5

POSTED: | BY: Anita Reles

I have nothing but good things to say…

I have nothing but good things to say about this company....i had no waiting period as it was right after a clean bill of health so it was waived as a special....the first surgery was 3 months after getting the insurance...would have cost me over 4500, and it was covered...then he had 3 more surgeries, a neurological work up and 2 other conditions he has for life, so lifelong meds...everything has been covered as laid out by their policies...never had a claim denied, all his meds are covered at 90% and even his special food that was prescribed was covered at 50% for up to 2 months.....my experience with them is topnotch and have been with them for 5 years now....i also had a deductible, was able to lower it to zero and i recently put a small one back on to keep my premium lower....i can also keep raising my deductible as my premiums rise, altho its slight....i pay based on a 4 year old dog and hes 9 now and i still pay based on his 4 year old age, as they dont raise premiums for age nor do they have a claim cap limit nor do they have a limit on number of claims and dont raise based on clamis either.. ..this company Is awesome!
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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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