Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,149

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.
1

out of 5

POSTED: | BY: Joshua

Bureaucracy and false sympathy

When we got our dog, we figured we needed to do a bunch of things to take care of him. Getting insurance and signing him up for a vet seemed among the most important for his health. We did both but unfortunately we didn't think to wait to go to the vet for 30 days after signing up for the insurance. Trupanion has a 30 day sort of waiting period after you sign up. The vet told us that Hugo (our dog) had a heart problem, and eventually it turned out that we'd need him to have an $8000 surgery. Trupanion said that because we went during the 30-day waiting period they wouldn't cover it. Had we just waited for some days until the period ended, presumably they'd have covered it. The lesson I'd say, is if you're with Trupanion--they want you to avoid seeking medical care for your pet until their bureaucratic rules complete their term. On the other hand, they offered plenty of faux sympathy. If you value that, then be sure to make your monthly payments.
5

out of 5

POSTED: | BY: Irina

Trupanion is a very good Pet Insurance…

Trupanion is a very good Pet Insurance provider.
5

out of 5

POSTED: | BY: Bob

Trupanion has been awesome -

Our dog has had a few problems, Trupanion has helped numerous times and has allowed us to enjoy the improved life of our dog. Thanks
5

out of 5

POSTED: | BY: Kaitlyn

A Must Have...

Trupanion is very easy to deal with and recognized with most vet clinics and emergency centers. They do direct payments at many vet clinics so there is no need to worry about upfront payments. Monthly payments are priced fairly and I am so thankful I chose Trupanion. Even when you do everything you can to keep your dog healthy and safe, things come up and accidents happen. When I was faced with my dog needing hip surgery, trupanion covered it without questions saving me thousands of dollars. Trupanion is there when the unexpected happens and gives owners a chance to provide the best for their dogs/cats.
5

out of 5

POSTED: | BY: Laurie

Our dog recently had to have an…

Our dog recently had to have an emergency surgery and the staff at Trupanion were beyond helpful with our situation. Our claim was paid in a timely manner and all expected expenses, as outlined in the contract were covered. Thank You Trupanion for your help!!

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 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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