Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

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: Chandra Leach

Trupanion

I can't say enough good things about trupanion and the support it's given us with our pet !Honestly probably the best customer service in any business I've ever dealt with. We truly appreciate everything trupanion has done for us, our friends and family.
4

out of 5

POSTED: | BY: Tara Shepherdson

We have recently filed our first claim.

We have just recently filed our first claim. It was relatively simple to do online. We are waiting to receive the cheque 12 days after filing. I'll let you know how that goes when we get it. Yes I would recommend Trupanion thus far.
5

out of 5

POSTED: | BY: Sandra Cambrey

I am treated with respect even in difacult times.

I am treated with respect even in difficult times.
1

out of 5

POSTED: | BY: Steve

Rip off

Beware of these scam artists. Started out paying 56 per month, 5 years later premiums 106 per month with out a phone call or anything to discuss and this with zero claims.
5

out of 5

POSTED: | BY: Karlee

We use Trupanion's medical pet…

We use Trupanion's medical pet insurance for both of our dogs. We have a Rottweiler Mix, and a Rottweiler. Of course, being a large breed, they are at a higher risk for many health and joint issues. In December of 2018, we realized our Rottweiler Mix (Mia) was showing lameness in one of her back legs, and was having trouble standing after laying down for a while. She was only three, so we didn't think she could possibly have any joint issues yet! However, after a visit to the vet and some X-rays we found out Mia had a torn cranial cruciate ligament and a partially town meniscus in one of her back legs, and also had hip dysplasia. This meant a very expensive surgery and a lot of pain medications to follow. Thankfully, we had coverage with Trupanion! That meant we had the majority (90%) of our vet bills covered! This saved us so much stress! We were able to focus all of our attention and time on Mia's recovery, and not worrying about how we were going to pay for Mia's surgery and care. Our vet took care of sending the claim to Trupanion for us, and within no time at all I received the email that we were approved and how much Trupanion would be covering. They were absolutely excellent to deal with when I called with my many questions since it was our first time making a claim. I strongly recommend Trupanion to anyone welcoming a new pet into their family!
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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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