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: Marjorie

When I got my Leo.

When I got my Leo, I did my research on pet insurance. I’ve been with Trupanion since he was a puppy and never would dream of changing to another insurance company. I’m so impressed with the customer service people. They have compassion when ever anything happens. For example, my Leo was attacked by another dog at the dog park and the customer service person Soukaina actually sent me a card with a short note and a feel better soon Leo. I was so impressed by this that I posted a picture of the card and note to my Facebook account with a note of my own. Please keep up the good work.
5

out of 5

POSTED: | BY: Lisa

Trupanion insurance has enabled us to provide the required care when our pup was diagnosed with bilateral hip dysplasia.

Trupanion insurance has enabled us to ensure that our pup, Belle, received the required care after being diagnosed with bilateral hip dysplasia. The claims process, direct billing and friendly staff have been fantastic over the past few months! I highly recommend Trupanion insurance to any pet owner!
5

out of 5

POSTED: | BY: Jeanne

Thank you

Thank you! It was so comforting to deal with your company at such a stressful time! I have my beloved Risa with me! She would have been lost from me forever without Trupanion!
5

out of 5

POSTED: | BY: Carol W

Excellent service

We had to file 2 claims with Trupanion very close together. The claims were processed quickly. The Trupanion team also reached out to us with sympathy on our loss. I would highly recommend Trupanion to anyone.
5

out of 5

POSTED: | BY: Maddie

Trupanion saved my dog's life.

I have recommended Trupanion to anyone that will listen. Our 1 year old Goldendoodle nearly died this summer. He has Addison's disease. Very difficult to diagnose, he was in the hospital for 5 days on his deathbed. By the end of the week his bills had surpassed $8,000. Without Trupanion we would have had to put him down two days in. Trupanion direct billed and covered 90% of the costs and continue to cover his medication for life. Thank you Trupanion for saving our dog's life and making a horrible experience so much easier. Very glad we took our vets advice and went with this company.

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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