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: Shannon Boothman

Excellent Service

It is comforting to know that a representive is only a phone call away 24 hours a day. For having a trauma, injury or illness pre-approved with the vet specialists and representives that truly care, I thank you Trupanion for all you have done for my Tonka.
5

out of 5

POSTED: | BY: Mary

Amazing

Amazing service, always helpful and understanding. Some times it seems too good to be true. Thank you for all you do!
5

out of 5

POSTED: | BY: David M.

Superb!

Best ever insurance. Efficient, professional, quick and easy to access!
5

out of 5

POSTED: | BY: Kim Kisor

Beyond Expectations!

Our last dog was terminally ill and had huge veterinary bills at the end of his life, so we were sure to cover our new puppy with insurance. I was skeptical that it would benefit him, especially at such a young age, but I knew premiums are lower if you start young. Our puppy ate one of those suncatcher suction cups and required tests and eventually emergency surgery... $4K total! Our primary veterinarian works directly with Trupanion, so we never pay more than the deductible (per illness for LIFE, wow!) and then our 10%. We have confirmation of covered amounts in minutes. Our surgeon does not work directly with Trupanion but submitting the claim was literally as easy as taking a picture and we had confirmation of covered amounts in a day. The specialty imaging does not work with Trupanion and was at first not covered due to the way it was billed, but after getting a slow response, one call to Trupanion resolved the issue after they contacted them on our behalf. We truly only paid our $150 and our 10% and all the refunds were deposited straight to our checking account. The entire case was paid and done well before our puppy's staples were out! I always spoke with a live person who was caring, concerned and understanding. This incident occurred just after our year anniversary and our rates had increased a few dollars but I would gladly pay even more knowing now how reliable Trupanion is.
5

out of 5

POSTED: | BY: Dawne Breen

Love Trypanion pet insurance

I never had pet insurance on any of my pets in the past. When I brought our newly adopted 4 month old kitten to the vet I had seen a pet insurance display. She had received a clean bill of health but I decided to purchase it along with the vet's yearly health plan. She had no issues at her 1 year checkup but a severe heart mirror was heard on her 2 year visit. The insurance paid for the echo cardiogram and is now paying 90% of her daily medication she will be taking the rest of her life. Thank you 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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