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: AC

You have made what was already a …

You have made what was already a traumatic experience with our dog breaking her leg as easy as possible. Thanks so much!
5

out of 5

POSTED: | BY: Leila

10/10

We have had this insurance for our cat and our dog for 10 years. Their customer service is genuinely caring, their claim service is fast and hassle free, payment is fast and goes right into my checking account. What more could we ask for! Their process is faster and easier than my own health insurance. I work at an animal shelter and I recommend this company to everyone.
5

out of 5

POSTED: | BY: Linda & Ron

Wasn't sure they would cover the …

Wasn't sure they would cover the procedures the vet and I had decided on. All our friends thought we were crazy to spend this kind of money especially if we didn't know for sure we'd get coverage. The first attempt was only partially successful so we went to the next stage to try and save our beautiful 5 year old boys tooth. That failed as well so went to final attempt to save his tooth and Trupanion stayed the coarse. I have a dental background so knew each stage was something I'd do for myself and I would have paid what was needed but was thrilled to see they covered so much. It made going all out even sweeter. I'm glad they don't do what our human dental insurances do and decide the treatment, usually the one that is the leased expensive and not necessarily the best option. Even the vets office was surprised. I've told everyone how pleased we are with Trupanion and definitely recommend them. It is so worth the peace of mind knowing your Pet will be taken care of. Thank you Thank you!
5

out of 5

POSTED: | BY: Ronald

"...couldn't be happier..."

I have two mixed breed dogs. Trupanion has been excellent in responding to all of their insurable needs. I wish my health care provider was as good as Trupanion.
5

out of 5

POSTED: | BY: John & Carrie

3 year old dog needed emergency neuro surgery

Our 3 year old dog suddenly and unexpectedly became injured and required emergency neuro surgery. Our vet clinic and pet hospital worked with Trupanion so the insurance portion of the bill was paid directly. We paid only our portion. This was a huge financial burden that was removed from us, allowing us to focus on the surgery and recovery of our dog. We would definitely recommend Trupanion.

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 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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