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: Judith

Excellent Experience

Trupanion was very helpful when my young cat has an obstruction in her stomach and needed surgery to remove this item.They settled the claim very quickly, in this case, without waiting for all the vet records to be sent to them. Thankfully I had the coverage and was able to instruct the vet to go ahead with the surgery quickly which saved my lovely 3 year old kitty.
5

out of 5

POSTED: | BY: Agathe

There for us, once again!

For the 3rd time in six year, my dog Ozzy ended up in a life threatening situation. Just as I can rely on his fantastic vet to look after him, I was also able to rely, once again, on Trupanion to make the treatment decisions easy. As always, the no non-sense claim adjudication process took place and within 48 hours, I was reimbursed for the surgery and drug costs needed to get my Ozzy back on his feet. The peace of mind that comes with dealing with Trupanion is second to none. This insurance coverage is as essential as a daily walk to the park!
5

out of 5

POSTED: | BY: Pat

The Best Service

Fast. Informative. No Hassle. I faxed the claim late one night and had responses the next day. Trupanion stayed in touch via email every step of the way. They just had to wait for my vets to send invoices. A few days later, they had received invoices and we received payment for our claim. I wish medical insurance claims for people could be as painless. I would never get another pet without getting Trupanion insurance.
4

out of 5

POSTED: | BY: Erin

I don't know what I would do without Trupanion

I never expected to need pet insurance, but after reading about it I decided to get in just in case when my dog was a puppy. I have since relied on it a lot. My dog has ended up having very special needs that I honestly don't know how I would have paid for without Trupanion. Even if your dog is healthy now, one illness/injury/etc. can cost thousands of dollars. To me, it is worth it to have the security of knowing I can take the best care of my dog as possible! I tell all my friends to just go for it.
5

out of 5

POSTED: | BY: Bonnie

Excellent service

I've had nothing but good service from this company. Claims are handled quickly and ungrudgingly. You can talk to a real human being if you need to call. They've gone beyond what I expected.
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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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