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: Victoria

If you're fixed income like me this service is a lifesaver!

I've been very ill & on a low fixed income. This service has allowed me to get timely medical care for my cats & allows me to afford food for myself when the medical costs are high. If you have a claim dispute their representative's are kind, patient & resolve it quickly. They will always take the time to explain their decisions. I'm so grateful to have found Trupanion so many years ago. Would highly recommend!
5

out of 5

POSTED: | BY: Deborah

A bit pricey but tremendous coverage

I have two cats over 18. I pay more then I would with other insurers per month, but they cover 90% costs AND have a really wide variety of illness/injury coverages, including specialists and surgery! It really has been a lifesaver for my older cats. They care about you like family, at Trupanion. I have had claims people walk me through the policies, explaining everything. They helped me in tailoring my plan, to save me money while getting my fur family needed coverage. Simply fantastic
5

out of 5

POSTED: | BY: Tracey

Best Idea to Get Insurance!

After years of not having insurance and spending thousands at the vets, my vet signed up Jones before something happened. And it did IBD that with the meds caused diabetes. These are on going and the claim process has always been easy. Deductile was paid during the initial diagnosis process and the have paid 90% of all qualified expenses since. Including $1900 of a $2400 3 day emergency vet visit when he had a major IBD flare and couldn't breathe! It makes care decisions easier and you can do more for your pet. I signed up my other 2 kitties after all this. Even with the added premiums...what I get paid back by trupanion outweighs what I have paid in premiums overall...on total.
5

out of 5

POSTED: | BY: Denise

Not All Insurance Companies Are Created Equal

Not all insurance companies are created equal, and Trupanion stands out amongst the crowd in putting pets first. We're somewhere in excess of $20,000 in claims for my cat that was diagnosed with spinal lymphoma 2 years ago. CT Scan, Spinal Tap, Hospitalization, tests - tests - and more tests. Specialist, Veterinarians, 2nd opinions ... it all saved her life and I'm not certain this would have been an affordable option without pet insurance with Trupanion. 2 years later, her care is ongoing, and she has weekly visits to our veterinarian for acupuncture and chiropractic care, to aid her in some spinal trauma from her illness. We're forever grateful for the no claim limits and 90% coverage. It made getting our cat the best care available to save her life, easily achievable without financial worry.
5

out of 5

POSTED: | BY: S.

My dogs are all still with me thanks to Trupanion..

parvo virus survivor, 3 knee injuries, bladder/kidney troubles and epilepsy.... All my dogs are happy and stable thanks to Trupanion... my rescue puppies... well dogs now have the best care and lives they could have dreamed of. They have the opportunity to become old dogs with long quality lives with significant credit based on the coverage of our insurance... don't have a dog without it.
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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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