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: Cristiano

timely and hassle free

Trupanion has been very timely on processing claims and completely hassle free. My 10 year old boxer was diagnosed with lymphoma. The chemotherapy treatment is expensive and without trupanion's insurance the financial pressure would have been quite high. I am glad to have insurance for both my dogs and recommend trupanion to anyone considering pet health insurance.
5

out of 5

POSTED: | BY: Sandy

My sweet dog wouldn't be here without Trupanion.

Following the advise of our vet, we signed up for Trupanion the day we rescued our German shepherd puppy Elvis. Shortly after, he was diagnosed with hip dysplasia . Due to our great coverage, we were able to offer him with the state of the art injections for hip dysplasia, which greatly improved his pain. About a year later, Elvis was diagnosed with epilepsy, which has become refractory to many medications and very difficult to control. Just his work up for his cluster seizures was thousands. Now his seizures are well controlled, but only with 4 daily epilepsy medications that cost over $300 per month. I thank Trupanion every month for taking the stress of financial strain out of the decision making for us while trying to give Elvis the best quality of life possible. I simply email them my monthly receipts and within 5 days I am reimbursed directly into my checking account. I will never have another dog in my family without Trupanion!
5

out of 5

POSTED: | BY: Vincent

Claim Experience

I was not really lucky as a dog owner, once I start the insurance for my puppy. He got a broken leg, and around a year later he's got problem with his penis. I should say thank you for my vet introduced Trupanion for me, both claims were fast and every time I called them they're so helpful. Trupanion hotline was so fast, I can say within 2 mins there will be a rep pick up the line and no matter what time is it.
5

out of 5

POSTED: | BY: Shannon

Love this company!!!

This company is fantastic. My vet has an app so all the bills are sent directly to the company so I don't have to scan and send them. Could not be easier!
5

out of 5

POSTED: | BY: Kathy

Simple quick payment!

My beautiful healthy lab mix developed terminal cancer at 9. There is no hope for a cure, but Veterinary Chemotherapy has extended her life for 3 1/2 years and counting with a VERY high quality of life. (She keeps up with my 3 yr old border collie!) Trupanion has never hesitated to cover treatment, the claims can come fast and furious, the submission has been simplified to submitting a few words on a claim form and a bill. The past few bills have been high, due to a new chemo, as she slipped out of remission. No hesitation on payment, no questioning the unusually high bills. They are paid quickly which is very important when treatment can be weekly and nearing $1,000 each. We could not dream of paying these bills without Trupanion.
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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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