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: Stacy

Excellent.

Our little Boxer had a life-threatening bout with IMT after her spay. Thankfully, she survived, but her bills were in excess of $4K. Trupanion processed each claim within one week of submission and our reimbursement checks arrived just as fast. This is one of the best investments we've ever made! We love our pets and are so pleased to have a reasonably priced tool that helps us take care of them responsibly and completely. I only wish our human health insurance worked so well!
5

out of 5

POSTED: | BY: Denise

quick response

I am so pleased with the quick turn around time once claim is submitted! They keep me posted all the way from beginning of claim till the end.
5

out of 5

POSTED: | BY: Jodi

Trupanian best pet money ever spent.

I insured my dog, Lu, with Trupanion five years ago when he was five, based on a recommendation from our vet, Waterhouse Animal Hospital in Fresno. Last month a mass was discovered. Within a month, surgery was performed, stitches heeled, and amazingly, the $3,000 bill was processed and he claim paid. No hassles at all. Trupanion communicates quickly with both the vet and the insured. Little things like the communication style of the emails make you feel like you're dealing with a member of the vet team, as opposed to an adversary. Trupanion has paid for itself and I highly recommend them for peace of mind and performance when you and your pet most need it.
5

out of 5

POSTED: | BY: Peggy

Super fast payments!

Our dog has bone cancer. We submitted six vet bills in a week's time, and within two weeks of our first claim we had our first reimbursement. Also, the website is super-easy to navigate. We are impressed with this experience so far!
5

out of 5

POSTED: | BY: Les

My sick baby.

My 3 year old baby was very sick for no reasons that I could determine. We went to the vet all the testing was over welling for me but with Trupaions help my puppy was back to his old self in 7 days. Thank you for the help and financial support when I needed it. Les
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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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