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.
1

out of 5

POSTED: | BY: Arin Gharakhanian

Please get Trupanion

My wife and I insured our Cockapoo puppy with Trupanion when he was about 8 weeks old. We had visited the vet at the time, and the vet informed us that he has an ear infection, which to our understanding is a common problem with puppies. We were given ear drops and at that time we asked about pet insurance and one of the options that were presented to us was Trupanion. Without doing much research I signed up to have the peace of mind for future problems that may occur. Fast forward to two years after, most of our claims have been denied. We had another ear infection after a year, which was denied because somehow it was related to the very first infection that our puppy had. Our dog started having skin allergy problems two years after and you guessed it…it was related to the first ear infection…denied again. Fact #1: Some ear infections are caused by allergy and therefore is an existing condition. Fact #2: Before hitting the decline button, Trupanion did bother to call my vet nor the dermatologist to determine if there was any correlation between what was happening now, and the ear infection two years ago. Instead, Trupanion assumed it was an existing condition, and hitting the decline button was much$$$ easier to do than taking care of the customer fairly. My advice is to put $100 per month in a savings account if you want insurance for your pet. Or, yet better, get Trupanion, so I won’t be the only one feeling stupid for having paid these guys. Good luck.
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5

out of 5

POSTED: | BY: Jamie

Above expectations

I always heard of bad experience with insurance and went in expecting to fight for claims but everything has gone extremely smooth
5

out of 5

POSTED: | BY: Liz

Trupanion was there for Eva's Major Surgery!

My frenchie ended up with an obstruction in her small intestine and required emergency surgery to remove it. Trupanion worked with the Hospital in that Trupanion paid the hospital directly for majority of the claim. The event would have cost me almost $13000 but with Trupanion's support, my portion was more like $2400 (including my deductible of $1000) which made all the difference!!! I had a lot of questions about the claim but everyone at Trupanion was very patient and cleared up everything for me. SUPER glad I went with Trupanion and have recommended them to everyone!
5

out of 5

POSTED: | BY: Laurie

Great product.

Great product. Great service. Peace of mind.
5

out of 5

POSTED: | BY: Sheri

There when the unexpected happens :)

There when the unexpected happens...no cap on coverage...just a phone call away (24/7) service :)
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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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