Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,143

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: Judy

Trupanion: The Greatest Pet Insurance

Trupanion has been a "lifesaver" for me and my two rescue Pomeranians. Claims have been handles quickly and efficiently. Any time I have talked with a representative my questions and concerns have been addressed. Thanks so much for your continued support!!!
5

out of 5

POSTED: | BY: Elizabeth

So Glad I Chose Trupanion

There are quite a few choices when it comes to choosing insurance. Fortunately, I chose to Trupanion and couldn't be happier. The representatives are not only kind and courteous, but very knowledgeable. They walked me through the various plans available and helped me to choose the one that best fit my budget and my needs. Claims are assessed in a timely manner, customer service is available at all times, and filing claims is easy. The online availability to check my claim or stay on top of open claims make things convenient as well. Overall, an excellent choice and one I highly recommend.
5

out of 5

POSTED: | BY: Diana

Awesome!!!

Our Saint Bernard/Newfie cross ruptured both of his cruciate ligaments within 3 months and Trupanion couldn't have been more helpful. On the first claim I received reimbursement from them in less than a week. On the second claim, I had Trupanion pay the vet directly so I only had to fork out my 90% which was nice. I only wish they paid examination fees as consultations with the surgeon were fairly expensive.
5

out of 5

POSTED: | BY: Ingrid

Pet Insurance Review

This is a fantastic company. Everyone went way out of their way to locate all bills, even a couple that I forgot to submit! The claims were processed very quickly, and phone calls and emails were returned the same day, often within an hour after I sent them. Best of all, people seemed really to care about my pet's health. I was treated not just as a client , but as a real person who was worried about her pet. The people who work here are an exceptional group -I will be writing an email to the company president to let him Know what a great group of employees he has.
5

out of 5

POSTED: | BY: Jane

Excellent Experience

Trupanion Insurance is the first company I have used for pet insurance. It was recommended by my vet when I got my current dog. I never had insurance on my previous 5 dogs and spent thousands of dollars on various injuries and illnesses over the years. I was skeptical about getting insurance because it seemed quite expensive. For my dog, it's about $50 per month...$600 per year. If my dog's expected life span is 10 years, I'll pay about $6000 in premiums over his lifetime. One hospital stay and surgery to remove a corn cob or sock that was eaten by the dog costs around $5000. So I decided to get insurance and chose Trupanion. My last claim was processed in less than 2 weeks. Even though I've only had the insurance for about 5 years, they have paid me a lot more than I've paid them. I highly recommend Trupanion. The coverage I have does not cover preventive care or office visits. What it does cover is the emergency surgery on a holiday weekend.
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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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