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: Karolina Gruhs

Best insurance and care for your pet available!

Trupanion is an honest and very straight forward type of insurance. All you need to know is presented on the website in plain language without a maze of difficult to understand and confusing jargon. It's easy to sign up for and the flexibility in choice of coverage and premiums makes it affordable for all. I know people say 'just put away monthly that same amount you'd be spending on premiums and you'll be covered'. I can honestly say that is likely not going to happen (we all have expenses to cover) and the unfortunate costs of vet bills will always exceed the amount you can put away. There is another (among many) very important reason to get your pet family members insured. When you show up frantic (and most likely crying) at the vet clinic or hospital with your pet in an emergent state, the staff will begin to care for your pet immidiately when you tell them you are with Trupanion. Otherwise you have to wait for the exam and the scary estimate before you make the very large deposit and the work ensues. I can honestly say as a pet owner and a human emergency nurse, that is precious time you sometimes can't afford. The weight lifted off our hearts knowing our dogs very expensive treatment was going to be mostly covered and not having to extend our debt in an already very sad situation was literally priceless. She is now well and thriving after a very bleak diagnosis and initial expectation she wouldn't make it (more than once actually). Only because of the Trupanion care was our little Stella able to receive superb care. We have also learned how extensive veterinary medicine is, and how much potential there is for huge number of conditions to be treated. Lastly, the staff at Trupanion have ALWAYS been caring, compassionate and immidiately available. Human insurance companies could learn A LOT from these guys. I am truly grateful for this service and believe me, we pay the highest premium, by choice, and it is entirely worth it. We've done the math!
5

out of 5

POSTED: | BY: Heather Richards

There is none better than Trupanion

Trupanion has come through for our Bloodhound all year. He has had allergies, heart issues and multiple surgeries and they have paid all the claims without hesitation
5

out of 5

POSTED: | BY: Jill King

Lifesaver! The dogs and mine!

One of the best decisions I have made in my life! My sweet Ella is still with me after one full year of illness. Although the outcome is grim, I can give her the best treatment that I otherwise could not afford. Her monthly maintenance is in excess of $700.00. I am such a grateful believer in Trupanion that I have two other dogs also insured by Trupanion. I would recommend this company to everyone. I never have to make "that dreaded decision " based on the fact that I couldn't afford it. I will make that decision based solely on her quality of life! I owe her that!
5

out of 5

POSTED: | BY: Mike Vogel

Outstanding Product

I did a lot of research before buying pet insurance and this company seemed to stand out head and shoulders above the rest.Unfortunately our dog has many ongoing illnesses that he needs medication for and has had one major operation that we might not have been able to otherwise afford. After our $500 deductible was payed Trupanion has payed for 90% of all our medical expenses according to the terms of our policy. There have never been any problems or issues of contention and any dealings I have had with their customer service reps have been met with friendly courtesy and with a sincere desire to help.This is a fantastic product and I can't think of a single thing this company could be doing better.
5

out of 5

POSTED: | BY: Brandee

Trupanion is the best

90% reimbursement for a low monthly premium. Its a no brainer. If you are going to have a pet, they are going to get sick sometime over their life. It will happen. There are going to be accidents, illnesses, and diseases. The monthly payment is worth knowing that you can get whatever treatment is needed when that time comes. I have already been able to provide a $4000 emergency surgery for one cat and recewntly ongoing care for kidney disease for another. Trupanion was fast to process claims and reimbursements. My vet has a direct hookup to Trupanion so I only have to pay the 10% copay and they bill Trupanion directly for the rest. As a comparison, a few years ago before I realized the importance of health insurance for pets: my cat was diagnosed with kidney disease and another with liver cancer within four months of each other. Before it was all done we had spent $7000 on vet bills. We could have spent $700 if we had Trupanion. That's what sold me.

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 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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