Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,144

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: Ines

Trupanion: shines light into dark times.

I completed a spreadsheet to calculate the amount I would spend on insurance premiums over 18 years and the amount actually spent on cats who have been pets in my family over the past 30 years. Even the cats who only went to the veterinarian during their last year of life, I discovered that bills for gum infection and other treatable conditions that are increasingly common in cats over age 10, cost more than insurance premiums alone over the lives of those cats. In other words, 10 years of premiums costs less than veterinary bills for treatable conditions in the 11th year. My cat, Freddy, was my family's first pet with health insurance. He received cancer treatment during his 16th year of life. He completed treatment. He lived for 13 months with zero vet visits and no obvious symptoms. He died at almost 18 years old. I have two cats now who also get all the care they need.
5

out of 5

POSTED: | BY: Theron

Trupanion did what they said they would

We haven't needed to use our pet insurance until this year, when our 6 year old dog stopped eating. We had to have blood work done, to find out that we needed an ultrasound of his liver, to find out that we needed a liver biopsy to figure out what was going on. Trupanion covered 90% of all costs after our $250 deductible, just like they said they would. These decisions were much easier to make with the vet when we knew our pet insurance was going to help cover the costs. We're thankful for Trupanion, so much so that I added the cat to our coverage.
5

out of 5

POSTED: | BY: Judith

Trupanion is great.

When I have needed Trupanion for my cat,They have paid the claims promptly.
5

out of 5

POSTED: | BY: Jan

Best service ever.

Love everything about this company. We are so glad we signed up, thanks for our recommendation from our vet.
5

out of 5

POSTED: | BY: Beverly

Excellent

No waiting ; immediate reimbursement
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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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