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: Sandra

Amazing, Kind, and Fast!!!

I can't tell you how great Trupanion is! They were kind and worked with me. They allowed me to email them 5.5 years worth of invoices and medical notes, literally hundreds of pages, and they began reimbursing me within two weeks!!! The deductible per diagnoses does not have to be met yearly like with people, just once over a lifetime. Thank you Trupanion for following through and for being nice about it!!! You are the best!
5

out of 5

POSTED: | BY: Kit

Best thing I ever did

I am so glad that I took my vet's advice and got Trupanion. I have had a couple of issues with my dog, Stoli, that have made having trupanion essential!! Coverage is fast and efficient and has helped me to provide proper care for my Dog in an emergency situation!
2

out of 5

POSTED: | BY: Antonia

Coverage vanished just when I needed it.

It is ok for accidents but if your dog gets any possible illnesses just watch how quickly you coverage is invalidated by pre-existing conditions even after being insured for years. There is a big asterix on the no coverage increases. They have increased by 25% every year with the excuse of my area is now more expensive. If you have a deductible you will find everything is a new illness/incident so you will end up covering most out of pocket. Oh, when they post "We understand your concerns please calls us..." I did and it is always the bullshit stories. "Oh, we are looking into making preexisting covered if you just stay with us another 6 months." "There are new options for treating your dog if it gets sick so we have to increase the premiums, but you are still paying as if she was a younger dog." "We can't cover this because your vet said 3 years ago that she had demodex so obviously she had a thyroid condition even then" I should have listened to the vet shortly after I got her and gone with another company. I was drawn in by the promise the premiums would not increase and that there was no upper limit on the coverage even though it cost more than my other options.
5

out of 5

POSTED: | BY: Lori

Essential for all pet owners

I have had three dogs insured with Trupanion, I will never own another pet without health insurance. I started with Trupanion when we purchased an expensive purebred puppy. I thought that I was protecting the initial investment I had made and was not thinking if the family member he would become. At the age of three the dog got out of the house and chased a rabbit. During the chase he ran across the road and was hit by a car. It was reassuring to pull up to the animal hospital and say do whatever it takes. Unfortunately the dog died and we were left with a substantial vet bill. Luckily Trupanion covered 90% of it. Following that experience I made sure that our new rescue puppy was insured. Extended family was questioning my decision to insure a mutt. That mutt is absolutely a member of our family. He ended up with Inflammatory Bowel Disease. The vet bills and medications ran into the thousands. Along with the IBD, he has had two knee surgeries. Trupanion has covered everything for me, including his life long medications. The dog is very healthy and living a great life in large part thanks to Trupanion.
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5

out of 5

POSTED: | BY: Rose

Fabulous!

Trupanion has given me peace of mind, allowing excellent care to be given to our 2 cats.
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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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