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.
5

out of 5

POSTED: | BY: Fenton

Trupanion knocks it out of the park!!!

I enrolled my puppy with Trupanion recently and had the worst happen. She broke her leg and ended up in emergency at the vet hospital only days later. Luckily the accident happened after the waiting period had ended but only by a few days. I was very impressed as the dog needed to have a plate and pins implanted to fix the bone and Trupanion covered it all. Between the surgery for the broken leg and all of the follow up care Trupanion paid about $6,000 dollars. The best part is the vet submits the invoice to Trupanion and I don't have to pay anything upfront. Trupanion pays the vet directly 90% less taxes, the initial deductible and the exam fee. Pretty good deal. Very easy to deal with.
5

out of 5

POSTED: | BY: Patrick

Trupanion is fantastic!

When I signed up for Trupanion I hoped that I would never have to use the insurance, unfortunately as it turns out, my dog is a bit of a lemon. Trupanion has been a life saver for me dealing with two major surgeries, they have been quick to process the claims and have been totally fair with what they cover. This is the only insurance company that I have ever actively recommend to people! Thank you Trupanion!
5

out of 5

POSTED: | BY: Pat

Trupanion is by far the most reasonable…

Trupanion is by far the most reasonable and easiest insurance company to deal with, I strongly recommend them!
5

out of 5

POSTED: | BY: Laina

Always really easy and quick to deal…

Always really easy and quick to deal with. I've had to use my insurance for two major hospitalizations and six sessions of chemotherapy and haven't had a hitch.
5

out of 5

POSTED: | BY: Susan

Trupanion allowed us to go to the ends of the earth for our pooch.

Our 8.5 year old Rottweiler came down with osteosarcoma. From the diagnosis to treatment to follow-up care, Trupanion has been remarkable and delivered on everything they said they would. Gold star service! Their customer service consultants are knowledgeable, supportive and want the best for your pet. Thank you! P.S. I've already recommended you to several friends and everyone we meet while walking our pooch.

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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