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: Brett

Unfortunate puppy helped with great insurance

Our puppy was unfortunately diagnosed with hip dysplasia at only 8 months old, after a day of hiking or just playing at the dog park he would look like he was a 14 year old dog and was in obvious discomfort just to stand up. Luckily we decided to get pet insurance as soon as we brought him home at 3 months old, just in case because you never know. Having insurance made a tough choice easy as the surgery and recovery from the total hip replacement he required to live a pain-free and active life cost approximately $20,000. Trupanion paid for the amount they said, 90% after our deductible. They would usually pay the vet directly or provide our reimbursement within days. They made a difficult issue easy to handle with respect to finances. Now our big puppy has two new hips, is fully recovered, and is able to enjoy swimming and hiking mountains with us without pain.
5

out of 5

POSTED: | BY: Heather Murphy

We will always use Trupanion for our existing and future pets.

We will always use Trupanion for our existing and future pets. Best coverage and best service!
5

out of 5

POSTED: | BY: Linda Dimambro

Have always touted Trupanion to others and will continue to do so!

Have always touted Trupanion to others and will continue to do so!!
5

out of 5

POSTED: | BY: Margaret Davis

i just hope after your review, you will approve "olivia's" Posatex for her ears.

i just hope after your review, you will approve "olivia's" Posatex for her ears.
5

out of 5

POSTED: | BY: Jodi Martin

I've been a vet tech for over 32 yrs.

I've been a vet tech for over 32 yrs. I've always been able to have procedures done in house and pay for it until Millie who had to have 2 root canals and caps on her molars. And now Xena with spinal cord disease. I've been extremely pleased with the service that Trupanion has provided!!! It's very obvious that Trupanion cares about pets! Not only through the insurance but with the people that work for them, they truly are warm and caring! Thanks so much 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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