Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,189

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: Sandra

They are the best ever, no hidden surprises emotionally or financially.

Trupanion came through exactly like they said they would. My dog had almost $7,000 worth of medical care. She had a tumor on her lung (cancerous) had surgery removed 2 lobes of her lung, stayed 1 extra night at the hospital and my cost out of pocket was less than $1000.00, Trupanion paid their 90% and the best part is they do a pre- approval whereas many people don't have a few thousand or so hanging around,Trupanion directly pays the Dr. & hospital. So I did not have this worry, how was I going to pay for it. Without the pre-approval we could not of been able to afford this and for this I'm forever grateful. P.S. Inky is doing absolutely great and it's like it never happened.
5

out of 5

POSTED: | BY: Lorrie

Excellent customer service!

I was very impressed at the ease and simple process for filing a claim and I received a cheque within one week! The customer service reps couldn't have been more helpful and were a pleasure to deal with! Overall one of the best customer service experiences I have had in a long time!
5

out of 5

POSTED: | BY: Judy

Trupanion makes a sick dog better

After my dog had a couple of unrelated abdominal surgeries within a few months, I decided I should probably get insurance for him. Within 3 months, he was under the knife again. And then we were sent to specialists where he underwent a CT scan. Trupanion has reimbursed me over $3000 and they are helping to find a solution to my dog's stomach problems (ulcers).
5

out of 5

POSTED: | BY: Kerri

No Hassle Claims

I have had Trupanion for both of my pups for nearly 12 years and I have had quite a few claims and never has there been any problem being covered. It allows me to make the best health care decisions possible for Dexter and Daisy who deserve nothing but the best. Thank you, Trupanion!!
5

out of 5

POSTED: | BY: Reddobiemom Reddobiemom

A very positive experience

You could not ask for a better company to deal with in your time of need. Syrus was a rescue that had a few issues over the years but in his later years we had two major challenges that he bounced back from until his final days. Even after his death they were so kind and helpful with his last claims
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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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