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: Ryan

Trupanion is required for any dog owner!

Over the past few years, we have really seen a benefit of using Trupanion. Our little dog ended up having 2 herniated disks in his back from jumping and it ended up paralyzing him. Trupanion made it possible to pay for the surgery needed and he's now enjoying life again! The folks at Trupanion were very helpful in ensuring both my needs and the needs of my dog were taken care of in a time of chaos. In addition, regardless of what Trupanion has done for us, just knowing that we can rely on them should anything come up, is very reassuring. Thanks Trupanion!!!
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1

out of 5

POSTED: | BY: Kimberly

Bilateral Cherry eye- not covered

I did my homework, research asked questions sat on the "buy" button for months then my English Bulldog developed her first cherry eye before I hit the buy button. At that time she was young and mischievous and started chewing on a wooden basket she wound up poking her eye and needing an emergency cornea transplant. When I called Trupanion, I explained that she already had an expensive cherry eye/cornea transplant surgery ($6000). I was scared to go through that again with no insurance. The nice sales person told me that with the insurance I will have a piece of mind knowing that my Lilly would be taken care of.....? Clearly she didn't mean that my new Trupanion insurance policy would take care of her. Here we are months later and close to $1000 in insurance policy payments, with no return on the 5 claims we had including cherry eye on the other eye, sick appointments, and spayed. So I have spent close to $10000 on these appointments and $1000 on non existing insurance..... I wish I had seen this site when I was researching because I am paying the price. I could have put that $1000 towards her bills. Someone mentioned putting that money into a savings account for vet bills. That sounds like a great idea!
5

out of 5

POSTED: | BY: Debra

Trupanion is awesome!

Two of my dogs do not have Trupanion insurance. They are too old. I have never had a problem with them. I have two surgeries of approx. $8000 each that have been pre approved by Trupanion. They have been paying up every time we spend. We love this insurance. The phone operators are always polite and helpful.
5

out of 5

POSTED: | BY: Elizabeth

Saved My dogs life!

Maelee (lab-golden mix) was in an accident in the summer of 2013 at 7 months old.She was in intensive care for 7 days, the hospital bill was way beyond what I could pay and Trupanion paid 90%. Maelee recently had a fungal infection from her accident and Trupanion paid 90% of that bill as well. Maelee has several different medications that she takes monthly one of them is $280. every 20 days and Trupanion pays 90% of all her medications related to her accident. I am very grateful to Trupanion for all that they do and I tell everyone I meet to get Trupanion. Note I have always asked the vet if I am doing the right thing by keeping Maelee alive and because she is only 3 the doctors all feel she has a fighting chance. Thank you Trupanion!
5

out of 5

POSTED: | BY: Darya

Pleasantly Surprised

My 7 year old Pit has been insured with Trupanion practically since birth. I am not a good saver - I see Trupanion as a kind of savings account for her care. Kind of like my own health insurance which costs more and reimburses less :). Ive never had call to use it until this year with two separate lameness incidents. I was seriously stressed about making a claim. I shouldn't have been -Trupanion walked me through the process and reimbursed my claims within ONE WEEK. I recommend them to everyone. THANK YOU TRUPANION for being honest and keeping your promises.
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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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