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: Grazyna

Thank you Trupanion for having our back.

Bruno underwent very serious surgery. His herniated disc had to be removed, and because of his heart problem, the anesthesia was really dangerous in the case of a lengthy operation like this one. But my dog was partially paralyzed and because we reacted very quickly the success was to be within 90% so we went ahead with the surgery. It was a success. The hospital filled out the forms and I just forwarded them to Trupanion. My vet's assistant sent their forms as well. trupanion responded immediately, my claims were processed within a couple of days, and the refund appeared in my bank account within a week after Bruno"s surgery. The refund reflected the conditions of my policy so I was not surprised. In a case like this when you put on your credit card a huge sum and you don't even think of how and when to pay it off, a very fast refund is extremely helpful. Sending a claim from the hospital was one click of a mouse, I did not even deal with the rest, so I was very thankful that this process was so easy. I recommend Trupanion to every one I know. I even wrote to my family in Poland although I don't think you would extend your services to Europe.
5

out of 5

POSTED: | BY: Corrie

Because you offer quick fair service and my cheque came really soon after my claim

Because you offer quick fair service and my cheque came really soon after my claim
5

out of 5

POSTED: | BY: Deborah

Because of the compassion that was shown when our Callie at less than a year became deathly sick.

Because of the compassion that was shown when our Callie at less than a year became deathly sick.lcould not be thankful enough for the understanding and quick response of Trupanion to help financially and without any hassles. Now Callie is 3 years 6months no signs of reoccurrence. I would and have recommended Trupanion to all my animal lover friends. Thanh you once again.
5

out of 5

POSTED: | BY: Jim

A Bulldog named Savannah

As always the service you provided is outstanding. Our Bulldog has allergies and other medical conditions, but Trupanion has been there for her since day one, we truly appreciate everything you have done for her and us, keep up the great work, thank you Jim, Sydney, and Savannah,,,,,
5

out of 5

POSTED: | BY: Mark

Only Pet Insurance to have.

Always the best.
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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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