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: Mary

I've always had quick results from Trupanion,

Several years ago I switched my pet insurance to Trupanion and have never regretted it. Payments for accepted illnesses or accidents are very fast, and the representatives at Trupanion are always friendly and understanding. You have many programs to choose from. Having health insurance for your pet in todays world is so important. Without it, the slightest problem with your pet can be so very expensive that many people can't afford it and the pet doesn't get the help it needs.
5

out of 5

POSTED: | BY: Paula

Best Pet Insurance!

Our male Scotty recently had his cancerous spleen removed and is currently undergoing chemo treatments. When his condition was diagnosed, Trupanion promptly pre-approved the payment for his surgery and his after-care expenses. We are grateful for their prompt and courteous treatment. We have had other insurance for our pets; however, Trupanion is by far the best!
5

out of 5

POSTED: | BY: Sharon

Great!

Trupanion has been so amazing with our dog! They even have with our vet a fast check out service -so we only have to pay our share. They are always willing to work with you and I would highly recommend them!!!
5

out of 5

POSTED: | BY: JHGannan

Very Timely

Mast cell tumor excised partially--level 2-requiring 16-tradition treatment. Trupanion was patient regarding my inquiries on how to best submit claims. They eliminated any stress regarding claim reimbursements by sending out detailed claims as processed. Claim checks came out as processed showing running balance and credit on deductible and co-pays.
5

out of 5

POSTED: | BY: Christine

Great customer service and easy to use!

This is my first time with pet insurance and I was a bit leary thinking it would be a nightmare submitting claims. However it is really easy to use (my vet submits on my behalf) and then I get a receipt in the mail with an explanation of the service and coverage, followed by a refund when the deductible is met. Once the deductible is met, all subsequent visits/medications for that issue will be taken care of. So pleased with their customer service when I have called with questions, and the service in general is worth the monthly fee. Thank you 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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