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: Nathalie

I am so happy I can count on Trupanion…

I am so happy I can count on Trupanion for my wallace it's been 10 years I am with you guys and you been great. thank you Nathalie Bruce
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1

out of 5

POSTED: | BY: Janet C

Pre-existing conditions

Trupanion's pet insurance policy is cleverly crafted to use any reported past "symptom" as a reason to reject a whole range of claims. READ IT. I purchased Trupanion for my labrador because of the Trupanion-generated "success stories" posted in my vet's exam rooms. Now my sweet 5-year-old girl faces euthanasia in about 2 years when she develops chronic pain from hip dysplasia. This condition is regularly and successfully treated by vets, and she could have lived comfortably to a ripe old age. My poor choice of Trupanion cost my pet her life.
5

out of 5

POSTED: | BY: Lynda Beaver

I feel so grateful that I have Trupaion to cover my Mia in case of an unforseen event.

I had another insurance company with my previous dog and it was not clear cut on what they would cover and what they would not. When my precious dog got sick, that Pet Insurance caused me so much anxiety. I had to be able to pay for the entire procedure and then be reimbursed. I applied Care Credit to pay for her operation, and medical expenses and death when I finally got reimbursed for some of it but it was not as much as I would have gotten with Tupanion. My vet told me that when I get another pet to use Trupanion. I have been happy with Trupanion but have not had to use it for this new pet. I know that I will have to pay 10% of whatever happens to her and that is so comforting to me. I'd rather have insurance and not need it than to hit by surprise that could cause me thousands.
5

out of 5

POSTED: | BY: Margie Wardrop

We are very happy with Trupanion

Trupanion is aa very good insurance they are very helpful, pay well and quickly
5

out of 5

POSTED: | BY: Colleen Desjarlais

So easy to talk to

So easy to talk to, took the time to ask how my puppy is:)
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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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