Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,162

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: Regina

Amazing

Our vet advised us to fill out a 30 free trial with Truepanion when we took our 12 week old Boston Terrier for her first physical. We never expected we would have a need for this insurance but as accident prone as puppies can be, little Cricket jumped off our couch and broke her back leg. Cricket was taken to the emergency vet hospital and required surgery as well as a 5 day stay. This was at a cost of over 4000.00. Trupanion was unbelievably supportive in helping me to file a claim and showed real concern for us and our new puppy. Trupanion covered 90% if this cost after our $250.00 deductible and completed our claim within a week after it was filed. This was the first time a that something to good to be true was really true. Thank you Trupanion for being so supportive and caring during this time. We have since signed up for full membership and will continue this health ins for the duration of little Crickets life. ~ Regina
5

out of 5

POSTED: | BY: Darin

Another great experience

I just completed my 4th claim in 3 years. Trupanion gets faster each time. It is amazing how fast they are.In the most recent claim my Vet emailed the claim form with the invoice so I literally did nothing. The money was wired into my checking account (because I use a debit card with Trupanion) in 2 days. My Vet told me they are getting Trupanion Express software so in the future I will pay 10% at checkout and Trupanion will do the rest paying my Vet directly. This company is the best by far. I have used VPI/Nationwide in the past and they were terrible.
5

out of 5

POSTED: | BY: Jeannine

Extraordinary service.

Trupanion has been more informative & compassionate than my own health ins. The coverage was unbelievable. Thank God I had the stem cell coverage. Although Lena is still in recovery stage. It was less intrusive than major hip surgery. My vet Pleasant Plaines hospital & the Surgen & cannot forget the staff were wonderful. I recommend Trupanoom to all my pet friends. Wish you had horse ins also. Lena is doing great only after 1 week of knee surgery & stem cell procedure. All large breed pet owners should consider having trupanion. No one wants to make that decision of what to do if that time comes. Lena & I thank all who were involved.
5

out of 5

POSTED: | BY: sam

smooth

everything just went smooth - submitting the claim, receiving the claim, communication, - it was all perfect
5

out of 5

POSTED: | BY: Ron

It's Worth It!

Trupanion processed my claims in a matter of a few days and I had a check shortly after that. They did what they said they would do!
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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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