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: Charles

10/10 Outstanding

Our 6 1/2 year old mixed breed Abbey, fractured her left rear leg and dislocated her toes chasing after a squirrel. She now has a metal plate and a half dozen small screws in the foot area. When one signs up for the program one hopes that the insurance and service is as advertised. It was that and more with Trupanion. All claims have been paid promptly making the financial burden a little less worrisome. Abbey is on the road to recovery but not quite there yet. I am confident that Trupanion will be there should she need more help.
5

out of 5

POSTED: | BY: Pamela

Helpful and Compassionate

I love Trupanion. I have been with them for about three years now and they have been wonderful when I have needed them. My little dog does not get sick too often (thank the Lord) but when she has gotten sick, they have been so helpful immediately. She had an accident and got all four metacarpal bones in her right front paw broken. What a relief Trupanion's assistance has been. I have had to send in two claims for this so far and both times they have processed and mailed me a check within just a few hours of my submitting it to them. They are absolutely wonderful and so very compassionate with my feelings when Hannah first got hurt and all through this rough time. Thank you Trupanion for being there. Having you as my insurance company has really eased my mind of the financial burdens I have now with the vet bills adding up. Just love ya!!!
5

out of 5

POSTED: | BY: Lesley

Without Trupanion, my doodle's Addison Disease wou

My two-year old Fletcher would not have received Emergency Care when Addison Disease threatened his early life last winter. If Trupanion had not come forward as the savior, my beloved goldendoodle might not have survived and thrived.
5

out of 5

POSTED: | BY: Stephanie

I will never own a dog without Truepanion again!!

Lexi is now 5 years old and was diagnosed with hydrocephalus at 12 weeks. She has needed continued care and medication four times a day. Trupanion has made this all possible! If it wasn't for trupanion Lexi wouldn't have gotten the exceptional care she has.There is no way to express the gratitude I have for Trupanion. I will forever be grateful for the support you have given Lexi. Thank you!!!
5

out of 5

POSTED: | BY: Eva

Extraordinary!

Super quick, no nonsense, exceptionally friendly service. No long, complicated forms to complete, no loaded questions, no fine print... You get what they say you will. Hard for me to believe I actually found a company I like in today's world full of scams and scam artists. THANK YOU TRUPANION. Only yesterday did I send several hand written letters to everyone I knew to tell them about you and my experience with you. I am feeling THAT grateful. Eva
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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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