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:

So happy we have Trupanion!

Both of my 11 year old chihuahuas have been insured with trupanion since the age of seven. Unfortunately, one of my chihuahuas was diagnosed with congenital heart failure. However, due to our decision to insure them both with pet insurance, we Felt very blessed to have Financial assistance to cover 90% of Clydes medical costs. I always tell my husband I don't know what we would have done if we didn't have Trupanion. Clyde's medical bills have been at least $10,000. We have been very fortunate, and are so happy we made the decision to insure them. Because of this decision, Clyde has had the best medical care and continues to do very well on medication management.
5

out of 5

POSTED: | BY: Barbara

Trupanion took very good care of me and my dog.

Thank you, Trupanion! You are a blessing! My dog Merlin has an autoimmune disease. He requires special care with a highly specialized vet. Trupanion processed our claims immediately and sent us a check. My husband and I were very impressed.
5

out of 5

POSTED: | BY: Kate

Best thing we ever did!

Our dog was diagnosed with Addison's and the original bill was around $3,700. We got a check back for $3,200. Her monthly medicine is about $215, and we get a check every month from trupanion for a little over $200. Turn around time is quick and the customer service is always amazing! They have also covered costs for a cyst, heat stroke, and a nail through her paw...
4

out of 5

POSTED: | BY: T.

Almost great

Had issues with treatments being rejected even when prior approval was received. It took 6months to resolved but was finally approved...again.
5

out of 5

POSTED: | BY: Graeme

Excellent No Quibble Service

One of our little dogs needed emergency intensive care after ingesting ibuprofen. I simply downloaded the claim form from Trupanion web site, completed a few details and handed over to my Vet who added the medical treatment summary and filed it with Trupanion on behalf of me. Within 10 days I had a check sent to me with no further questions. Quick, easy and hassle free as it should be. Our little dog made a full recovery and is doing fine.
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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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