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: Rose

Thank you so much!!

Yesterday I had to put down one of my best friend, a member of our family. He was the dog that even dog haters loved. He was half great dane and half boxer so he was big but, so loving no one was scared of him. He died of cancer but thanks to trupanion we were able to tried everything to save him. We didn't have to think about weather we could afford the treatment because trupanion was there for us the whole way. They even paid the hospital directly so we did have to lay out large sums of money. I will spend today and many day to come crying over my lost but, at least I know I was able to give one of my best friend, a member of my family, the best care money could buy.
5

out of 5

POSTED: | BY: Wendy

7 years and counting

Have been a customer for 7 years with two dogs, and have been very satisfied with the quick turnover of claims (IVDD in one dog) and the flexibility of coverage.
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1

out of 5

POSTED: | BY: Lisa

3000k + for Trupanion Pet Ins. over 3years = zero$

I bought this insurance for my three cats (two were still young and one a kitten). After my vet has submitted claim forms with all information clearly stated...we still are waiting for claim reimbursements. All I've received from Trupanion is a $70 (that's right...SEVENTY DOLLARS
5

out of 5

POSTED: | BY: Nicole

What other company pays hospital directly?!

Answer: NONE! Not having to wait for reimbursement is major progress in the world of pet insurance. My Shep mix recently had surgery to remove an anal sac tumor. Estimate was $4700. Instead of having to come up with the money or charge it, Trupanion was able to pay the hospital directly and I only had to pay my 10% (deductible was already met). Just think about that for a minute .... that's major! I picked my boy up 2 days later after surgery and because the hospital took a deposit larger than my portion due to Trupanion, I actually ended up with a credit on my account. How awesome is that!? Trupanion's claims experience alone is worth every dime. The fact that their coverage is so comprehensive makes it the best of the bunch for sure!
5

out of 5

POSTED: | BY: Lillian

Best pet insurance company hands down

I have three dogs insured with Trupanion and I have always had the best service They are easy to talk to, very responsive to calls and messages. I have a dog who has been diagnosed with Addisons disease and has had a hip replacement. My chihuahua ate a peach pit and and had to have a foreign body surgery. My third dog has been lucky so far but I know that Trupanion will be there if anything comes up. Amazing company, no other compares!.
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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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