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: Suelle

Trupanion is awesome!!

Our 2 1/2-year-old Lab, Tank, did what most Labs do - ate something he shouldn't. He literally snatched a corn cob from my husband's hand and swallowed it before we could fish it out of his mouth. A few weeks pass and Tank is not feeling well. We quickly learned that a cob can take its time leaving a dogs' stomach. We take him to the local emergency veterinary hospital, and they confirm that the cob has found its way to his intestines. We had to transfer him to another emergency hospital as the first did not have a surgeon available. After two separate hospital visits, a surgery and a couple of days in recovery in hospital, Trupanion paid a good portion of the bill. This relieved a great worry from us, emotionally and financially. I touched based with customer service to let them know about the hospital transfer. As always, the CSR was friendly and helpful. One hospital was able to direct-bill, while I had to submit the first visit (new hospital still coming online). It's been less than a week since this all took place and the claims are paid. Tank is home, healthy but not happy about the cone, and we don't have to worry about how we are going to pay for it all. Make thanks to Trupanion. I tell every pet owner they should invest now.
3

out of 5

POSTED: | BY: Tricia

Review, cost

Great experience, its just the cost has almost become too much
5

out of 5

POSTED: | BY: David

Trupanion: your second best companion !!

Trupanion has been one of our best decisions and experiences in the care of a dog who has chronic allergies. Cannot praise Trupanion enough for their financial support.
5

out of 5

POSTED: | BY: Barbara

Worry Free with Trupanion

Trupanion always has my back. It is such a relief to know that I don't have to worry if my dog becomes ill, Trupanion is there for me. They handle my claims very quickly and professionally.
5

out of 5

POSTED: | BY: Shelley

I love the direct billing option through the veterinary office.

I love the direct billing option through the veterinary office. Simple fast and convenient.
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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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