Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

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: Robert reed

Trupanion is the best!

I have a brother and sister Yorkie. Both have diabetes and one has had cataracts in both eyes fixed. The others eyes are going also so fix schedule later this year.
5

out of 5

POSTED: | BY: Lara Sahay

TruPanion is wonderful!

My son left dark chocolate brownies on his bed when he got up to go to the bathroom. Our puppy was nowhere insight. My son returned from the bathroom to find puppy eating her 4th brownie! The emergency vet said she had to be seen because she is only 15 pounds and probably ate 4-5 ounces of chocolate. The vet did a wonderful job saving our puppy and Trupanion's team went above and beyond to process and approve the claim before treatment was administered so the vet would treat our puppy. The vet's billing practices were difficult to deal with, but thanks to TruPanion all is well! I am so, so, so thankful for TruPanion. They saved our puppy!
3

out of 5

POSTED: | BY: Mike Smith

Price increse every year

Every year since inception there has been a price increase and this year it went up over 30%. Its for a healthy cat that has never used the insurance. We decided to save the monthly premium ourselves. We cannot comment on the plan as we never used it. It seems very unfair for a pets health insurance to cost 1/2 as much as our own.. The premium started off at $28 3 years ago, and is currently jumped to $42 with near a $1000.00 deductible. Someone needs to govern these policies a little closer.
5

out of 5

POSTED: | BY: Mike

Trupanion were Easy to deal with no …trupanion

Trupanion were Easy to deal with no questions asked! And a cheque within a timely manner!
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5

out of 5

POSTED: | BY: Lara Sahay

I am so thankful to the entire TruPanion Team.

I am so thankful to the entire TruPanion Team. Our puppy is alive and well because of all that your team did! You have made a very loyal customer! The vet's billing practices made the visit difficult but the vet's service was outstanding. I wish everyone
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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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