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: Julie

Trupanion allowed to not think twice about the cost of procedures or testing and focus on my dogs wellbeing.

My precious Sparky got diagnosed with insulinoma about 6 months ago now. At first he was very sick and having constant seizures. He was also quite lathargic, which is very unusual for a Jack Russell. I immediately brought sparky to the vet where they were also very relieved we had Trupanion as the testing ahead to figure out what was wrong we’re going to be costly. The vet suggested an oncologist about 2 hours from us. Sparky spent over 12 hours there while we waited in the waiting room. Without trupanion I would have wondered how on earth I would be able to pay for all the tests and meds they gave him that day. Instead, i was able to say “yes” without hesitation to all the tests and meds that were needed in order to get the answers we needed to properly diagnose his illness and care for him. Sparky is still with us today and no longer having seizures. He was given 6 months to a year to live and I think he’ll make it to at least the 1 year mark. His meds have kept him happy and stable and able to go on running and sniffing around his big backyard. Not every day is perfect. In fact, we had another $500 bill last week. It seems trupanion will really go the extra mile to try their best to cover what they can. I was going to cancel this policy about a month before sparky got sick and for some reason I never got around to it. I am so happy that I didn’t. I don’t think I will ever have a dog without insurance again for life’s unexpected moments. The money paid out far outweighs the monthly costs of the insurance. Not to mention the customer service reps are always very helpful and compassionate individuals!! Thank you Trupanion for helping out with my Sparky and so many other pets out there.
5

out of 5

POSTED: | BY: Sarah

Excellent company

Excellent coverage without any questions. Communicated directly with the vet saving me paying up front. Outstanding availability. Very very happy. Would recommend to everyone!!
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4

out of 5

POSTED: | BY: JLK

Trupanion was very easy to work with

Trupanion was very easy to work with. The claim process was quick. The only thing I found difficult, was understanding what was covered and what wasn’t. They say they cover a high % of costs, but in the end, we paid about 50% of the total costs.
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5

out of 5

POSTED: | BY: Michelle

We love trupanion !

We love trupanion! Very reasonable prices & great service with Vet. Our almost 2 yrs old girl has already paid for the pet insurance, within her first year she developed some intestinal issues & what would have cost over a 1000$ in tests and overnight visit was only our deductible and medications cost . We love our fur baby & want only the best in care for her , as we live on a farm there is many delicious things she likes to try but not the best for her health. 5 stars absolutely! The Wilson family
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5

out of 5

POSTED: | BY: Erika

I would strongly recommend Trupanion

I would strongly recommend Trupanion. We had to tragically put our beautiful Shar Pei down and they were very kind and professional throughout the whole time. We never had any issues with being reimbursed for the costs incurred trying to save our baby girl.
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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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