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: Mike

Outstanding Product

I did a lot of research before buying pet insurance and this company seemed to stand out head and shoulders above the rest.Unfortunately our dog has many ongoing illnesses that he needs medication for and has had one major operation that we might not have been able to otherwise afford. After our $500 deductible was payed Trupanion has payed for 90% of all our medical expenses according to the terms of our policy. There have never been any problems or issues of contention and any dealings I have had with their customer service reps have been met with friendly courtesy and with a sincere desire to help.This is a fantastic product and I can't think of a single thing this company could be doing better.
5

out of 5

POSTED: | BY: Brandee

Trupanion is the best

90% reimbursement for a low monthly premium. Its a no brainer. If you are going to have a pet, they are going to get sick sometime over their life. It will happen. There are going to be accidents, illnesses, and diseases. The monthly payment is worth knowing that you can get whatever treatment is needed when that time comes. I have already been able to provide a $4000 emergency surgery for one cat and recewntly ongoing care for kidney disease for another. Trupanion was fast to process claims and reimbursements. My vet has a direct hookup to Trupanion so I only have to pay the 10% copay and they bill Trupanion directly for the rest. As a comparison, a few years ago before I realized the importance of health insurance for pets: my cat was diagnosed with kidney disease and another with liver cancer within four months of each other. Before it was all done we had spent $7000 on vet bills. We could have spent $700 if we had Trupanion. That's what sold me.
5

out of 5

POSTED: | BY: Janine

Top Notch!

I have a 9 pound Morkie who keeps getting into things and causing issues with his GI tract. Trupanion is amazing with quickly responding and reimbursing my claims. Their customer service staff are always very caring and concerned when I contact them with a question. I truly feel like they care about my pet.
5

out of 5

POSTED: | BY: Janine

Top Notch!

I have a 9 pound Morkie who keeps getting into things and causing issues with his GI tract. Trupanion is amazing with quickly responding and reimbursing my claims. Their customer service staff are always very caring and concerned when I contact them with a question. I truly feel like they care about my pet.
5

out of 5

POSTED: | BY: Tina

Reliable

We took our cat to the Toronto Emergency Clinic for severe vomiting, dehydration and systemic infection. The doctors were wonderful and Trupanion was a life saver.They are available 24-7. They have excellent communication skills and very efficient with claim reimbursements.
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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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