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: Barbara Dunlop

Thank you for being there for me and my fur baby.

My Ms. Koka is 12 almost 13 years old. She has diabetes and cushings. Her tests and medications are quite expensive, and Trupanion pays 90% of the claims. I don't know what I would do without you.
5

out of 5

POSTED: | BY: C. Naftolin

Having a policy of insurance for my dog quite honestly saved his life.

Excellent insurance company. Reasonable and competitive rates. Professional, understanding and friendly team.
5

out of 5

POSTED: | BY: Sarah Harvey

Every pet owner should have Trupanion. They are amazing!

Trupanion made giving our baby girl Kya the best care easy and stress free. We had our claims paid directly to the specialists hospital within the time we were waiting there. They pre-approved her condition and paid for 90% of everything minus exam fees and taxes- which is amazing! We will continue to use Trupanion and will never own a pet without a policy. Highly recommended!!!
5

out of 5

POSTED: | BY: Morven Logan

If I could rate them higher than 10, I would.

I was devastated when my Essie was diagnosed with cancer. His lymphoma required treatment to start immediately - the oncologist was recommending chemo and radiation, and it was going to be expensive. I immediately agreed and the clinic sent the treatment proposal to Trupanion and the approval had come through from them for all of it before the oncologist had even finished explaining it to me. Over the next year of treatment, every claim was paid promptly and correctly. There were no surprises - everything was paid out as I thought - there’s no crappy insurance wording in the policy to trick you, and no arguing to get your claim paid. Not having to worry about how to pay for the treatment took a burden off and allowed me to just enjoy the time we had left and I will forever appreciate that. I signed my new dog up with Trupanion the day I brought him home and I recommend them to everyone I know with a pet. I think they are by far the best pet insurance on the market!
5

out of 5

POSTED: | BY: Tammy Johnston

Fantastic!

We have been with Trupanion for 12 years now. They have always been easy to make claims with and provide exceptional customer service. They are the best and I recommend them to everyone I know with pets. My 3 cats have undoubtedly lived longer and healthier lives because of Trupanion.
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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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