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: Siyu

The customer service representatives at Trupanion are very kind and helpful.

The customer service representatives at Trupanion are very kind and helpful. I called a few times with questions concerning my policy and how I could file a claim and every time the customer service representative provided me with helpful answers while also showing care for my pet by asking for updates on her condition. I would most definitely recommend Trupanion to my family and friends.
5

out of 5

POSTED: | BY: Mary

I have chosen this score because I have recommended Trupanion to several people over the past ten years.

I have chosen this score because I have recommended Trupanion to several people over the past ten years.Im pleased with the service I've received over the years Trupanion staff are always very helpful and prompt to solve any problems that occur..
5

out of 5

POSTED: | BY: Lorraine

I am extremely happy with this insurance company.

I am extremely happy with this insurance company.Always so readily available to answer all questions and deal with all concerns.
5

out of 5

POSTED: | BY: Jane

It's worth it!

I have had Trupanion for a current dog (who has not needed any treatment) and two previous dogs. Among the usual doggy concerns there were two expensive, unexpected and unusual ones. My 12 year old dog had emergency surgery for laryngeal paralysis (about $4500). Not only did Trupanion pay the 90% (minus the exams, as per their policy), they called the night my dog went into the hospital to tell us they had already approved the claim and to just work on helping him get better. My 6 year old dog was diagnosed with lymphoma and we chose to do chemo. Trupanion paid 90% of the $500 to $900 weekly treatments costs over four months. They paid all tests, drugs, treatments recommended and when we needed to go to the US for further treatments, they continued to pay without question. When we lost both dogs last year, they sent sympathy cards signed by all of the staff. It is not cheap coverage, but I know that I can make decisions based on what is best for my dogs, not on money--- and that is wonderful peace of mind.
5

out of 5

POSTED: | BY: Jennifer

We've had three major health crisis with our dog (who is only 9 months old) and trupanion has covered what they have promised to from the start without any hassle or delay.

We've had three major health crisis with our dog (who is only 9 months old) and trupanion has covered what they have promised to from the start without any hassle or delay. I recommend Trupanion to everyone...family, friends, anyone thinking about getting a pet, people in the waiting room at the vet.
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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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