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: Wesley

Affordable protection for a valuable family member

New active boxer puppy suddenly became ill, listless, vomiting, shaking. Rushed to MSU Veterinary Teaching Hospital, diagnosed within an hour, aggresssive treatment in ICU for several days, kidney failure and liver damage, near death. Leptospirosis suspected and confirmed. Puppy given best possible chance for survival. Cured with no residual damage to any system. Now supercharged with energy and affection. Vet inquired about pet insurance, bill was several thousand dollars. I replied we had a Trupanion policy..Vet relieved...said "they're excellent". He filled out our claim and submitted to Trupanion. Paid without question. We were /are thrilled...!!!
5

out of 5

POSTED: | BY: Pam

Trupanion has been good so far

I like the fact that they cover 90% of costs once you meet your deductible. I do have a high deductible as I really want insurance for those times when something is seriously wrong. It is good for times when you are diagnosing the problem as tests can add up very quickly.
5

out of 5

POSTED: | BY: Lynn

Best Investment I have made for my Furry Kids!

I rescued a chihuahua(Rocky)in 2013. I bought coverage for him as soon as I could. He has had multiple small things happen in the past 2 years but developed "collapsing" episodes earlier this year. It has been an expensive work up between a neurologist (seizures?) vs cardiologist (syncope?). Rocky was rushed to the animal ER over Memorial Day weekend. He had stopped breathing and had a heart rate of 10 beats per minute. They were able to revive him and the work up showed he had severe pulmonary hypertension. Trupanion has been great! The Vets are happy to submit the claim. Trupanion keeps in touch with me by e-mail so I know they have received the claim. They have never questioned a claim and they do cover 90% (after deductible)of the actual charge, not what they think a reasonable charge should have been (like human insurance). I can't imagine how we could have saved Rocky if we didn't have insurance. I never want to say I couldn't save my dog because I couldn't afford to. I rescued a puppy in February and the first thing I did was get Trupanion for him. I hope I pay those premiums for years to come and never need the insurance but it is good to know that Trupanion has my furry kids (and my) back.
5

out of 5

POSTED: | BY: Donna

Peace of mind He covered

My vet recommend to have him cover because he was going to be a big dog so I try Ttupanion. Has my luck would have it he was playing and just felt on his back leg and broke it . l was surprised how fast Trupanion had taken care of the bill it was over 2000.00 dollars to this day he some times need pills or X-ray and Trupanion make sure he has no problems with the leg. He my 145lb baby boy Pazar. Donna Moore
5

out of 5

POSTED: | BY: Allan

Very relieved.

Was pleased to find out that my Vet accepted the payment terms with Trupanion. Saving a large out of pocket expense.
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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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