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: Linda

Amazing service

We've been with trupanion since Marley was a baby. We've never had to submit any claims, and even wondered if it was worth the monthly payments, since our pooch was in quite good health and we couldn't imagine anything happening. WELL, aren't we happy we stayed??? There was a medication incident, and needless to say, we were worried. Thanks to trupanion, we didn't have to worry simultaneously about the cost of his care, etc. Claims processing was super smooth and processed very quickly. We are very happy with this service.
5

out of 5

POSTED: | BY: Lisa

Covers 90% of our needs

Very friendly staff. Fast turn around when making a claim on line. Competitive pricing
5

out of 5

POSTED: | BY: Dora

Great product, hopefully I would need to use it.

Great product, hopefully I would need to use it.
5

out of 5

POSTED: | BY: Shelley. Clements

Get your Pet insurance with Trupanion, you will need it when you least expect it for your fur baby

So glad we have Trupanion insurance as our Brussels Griffon puppy 9 mths old has to have both back legs operated on as he knees pop out of the sockets, if we didnt have surgery it would be tough on a retirement meager income. I highly recommend getting insurance based on experience
1

out of 5

POSTED: | BY: Strphannie

Won’t pay for anything that really matters

My dog has luxating patella on both knees. Obviously dogs are either born this way or they do not have it. My dog never showed signs of this. Our vet showed us that she does have this condition but most dogs never seem to be bothered by this. I moved to a different state and a whole new bunch of problems occurred. Her knees began to hurt more, she has allergies to many other things, etc. Trupanion will not help in any way to fix her knees. Not even for medication or hospitalization that might occur. I do understand that the surgery was to fix a pre existing condition but my plan should cover any medication or hospitalization that might occur. Should I just wait until her knees rupture before I get the surgery for Trupanion to start helping? Will it be a new condition then?
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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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