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: K.

great response time

Our male cat Possy had gastritis and vomiting again, he had it last year too. I don't know what we would have done without Trupanion insurance as the vet expenses were very high to treat him. The fact that the deductible was already met is a fantastic benefit. Trupanion responded quickly to our claims. We are grateful to be able to help our cats when they are sick.
5

out of 5

POSTED: | BY: K.

great response time

Our male cat Possy had gastritis and vomiting again, he had it last year too. I don't know what we would have done without Trupanion insurance as the vet expenses were very high to treat him. The fact that the deductible was already met is a fantastic benefit. Trupanion responded quickly to our claims. We are grateful to be able to help our cats when they are sick.
5

out of 5

POSTED: | BY: Kolleen

I can't say enough good things

My two pets have used the insurance many times over the last three years. They saved me a lot of money. I don't always need it but when I do it is very helpful. I recommend them to everyone I know that is buying a puppy or has a pet!
5

out of 5

POSTED: | BY: Isadora

They saved my dog's life!

I have a 7 year old Chihuahua mix named Nikita and I have been with Trupanion for a few years now and they have been great helping out with a couple illnesses here and there. I thought it was great to have it as we never know what can happen, but considering how healthy Nikita always has been, it never crossed my mind that anything serious could ever happen to her. About a month ago, Nikita started breathing faster than usual and lost her appetite so I brought her to my local vet where they sampled her blood, took some xrays but nothing was really showing up besides that she had a fever and maybe fighting a little bug. The following days she still wasn't feeling great so I brought her in again, 4 days in a row but still not really any reason why she was not feeling good. The 5th day her breathing got extremely fast, over 100 breaths per minute so I took her into the emergency room where she was put into an oxygen chamber immediately. She got better with the oxygen the first day, and they ran a bunch of test, put her on antibiotics but still no explanation. The second day her breathing went back up and the third day she was breathing so fast they told me she probably was not going to make it through the night and that we had 2 options: put her down or put her on a ventilator, which is an expensive option where only 20% of the dogs that go on it survive. I called Trupanion and asked if they would pre approve the claim and pay the hospital directly, within an hour I got approval and was able to proceed on putting Nikita on the ventilator knowing that they would cover 90% of the costs, wow. I was so impressed and also relieved to know that the financial part was covered and I could just focus on Nikita rather than stressing about the money aspect. A couple days later Nikita was able to get off the ventilator and the next day she was back home with us, finished her antibiotics and her lungs were clear, her breathing normal and slowly started getting back to herself. Now she is back 100%, my best friend got to live and she is enjoying life to the fullest. I cannot thank trupanion enough for the support they provided me throughout the whole process. I would recommend to anyone that care about their animal to get pet insurance with them, their coverage is the best and you never know when you might find yourself in a situation where you have to chose to save your pet's life or not and the money part should not be what decides if he or she gets to live or not. Again
5

out of 5

POSTED: | BY: Aaron

Get Trupanion! Awesome insurance for your pet!

Trupanion covers all my dogs. Two of them have had surgeries of over $7,000 covered at 90% after my deductible by Trupanion! Trupanion also paid my vet directly over $6000 on each claim and I was only responsible for my 10% and deductible when I left the vet! By having the coverage I was able to do the surgeries my vet recommended without making decisions based on funds in my bank account. Trupanion doesn't cover exam fees, doesn't cover shots, but that's not what I have insurance for, any illness or injury and Trupanion has our Tails covered!

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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