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: Jacqueline

Reliable, Responsive and Highly Recommended

My dog is 14.5 years old and I signed up to for pet insurance with this company (through its predecessor Vetinsurance) when she was 3 months old. We have weathered a number of incidents over the years - double knee surgery, swallowed chicken bones from the garbage too large to pass, an anal duct blockage and in more recent geriatric days, arthritis, a heart murmur and dental care. All this is among the more common things like ear infections, diarrhea (disgusting food rotting in the grass along sidewalks during her walks is her speciality) and minor injuries in the days when leaping off the deck in pursuit of a squirrel was more common. I have never had a single issue with a claim, I have never been denied for something that is covered and have to fight to get coverage, assessment and payment is always fast and accurate and the terms and conditions for coverage have been exactly what I need, Every single time I have had to contact customer service (which is rare), the response is friendly, complete and efficient. Even the thank you on my claim payment for taking good care of my dog through vet visits suggests to me that this is a company that cares. And I don’t think that about any insurance company (or bank). Not only do I highly recommend getting pet insurance even if a pet is young, I specifically and exclusively recommend Petinsurance with over 14 years of exceptional experiences to back that recommendation.
5

out of 5

POSTED: | BY: Karen

100% recommend Trupanion for our Pet

We are so pleased with Trupanion and the service they are providing for our St.Bernard. We definitely made the right choice choosing this company for our pet insurance. Thank you and Merry Christmas and all the best in 2020.
5

out of 5

POSTED: | BY: Mary

Very quick turnaround.

Very quick turnaround. Had my check a week from when the claim went in. Thank you!
5

out of 5

POSTED: | BY: Hazel

No hassle

Very easy
5

out of 5

POSTED: | BY: Jacqui

Extreme gratitude for Trupanion

Trupanion has supported our Standard Poodle '?Louis' for Over 11 years. He would not have had as long or as healthy a life without Trupanion. You have taken away the tough and emotional decisions when it comes to maintaining our dog's health. Thank you thank you thank you!
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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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