Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,142

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: Kate

Best decision I have ever made

We were playing in the creek and Alex decided to pick up a rock. When he picked up the rock he split his front tooth down to the root. Our vet referred us to the dog dentist, who was amazing and fixed everything. Trupanion covered almost all of it and explained what they did and did not cover. I am now adding my other dog to trupanion because I trust and value their service.I work at a dog daycare and tell all of the clients how great and wonderful they are. No matter what happens, I feel comfortable knowing we have Trupanion.
5

out of 5

POSTED: | BY: Kim

Great Insurance!!

I have injury and illness insurance and am glad I invested insurance. My new puppy had ear infections and I got the Trupanion 30 day free trial. They paid for her vet bill even though I hadn't given them a penny. Over 100.00. I finally had to have her allergy tested to see what was causing the recurrent ear infections. Guess what it was milk. I was keeping her away from chicken and grain and it wasn't those things at all. Now I know what it is and can keep her health. It cost $500.00 for the testing and Trupanion paid of $450.00 of that. My dog is 6 lbs. and my husband is over 250lbs, I am always afraid she might get hurt but if she does I know it won't break the bank. The extra 5.00 rider is great too so I can get her aqua or physical or behavioral therapy if she needs it for a very low cost. Pet insurance is great and Trupanion is really a great investment!!
5

out of 5

POSTED: | BY: Stephen

They've a great reputation and it's well deserve

My sweet cat has been seriously sick and required a long hospitalization. Because of the care he received he has made a miraculous recovery. If I did not have Trupanion I would not have been able to entertain a thought about treating him. I've been impressed by how the front staff - the billing people who deal with insurance companies all the time- at each doctor we have visited have sung Trupanions praises. And Trupanion has come through for me and my cat, not flinching at the costs which were quite high.I enthusiastically recommend them.
5

out of 5

POSTED: | BY: Tracey

this is the pet insurance I recommend to my friend

I've been very happy with their coverage and they keep me informed as they review and process my claim.
5

out of 5

POSTED: | BY: Kelsey

Great support!

I work at an animal hospital where we can recover discounts on certain items but nothing is ever free. I signed up for insurance in case my dog, a pug, ends up with a chronic condition or becomes in need of a big procedure - both are inevitable. I was very happy with my recent claim where he needed to have a broken tooth extracted. Instead of dismissing the claim because a large portion of it was listed under the "dental bundle" (not covered), the woman handling my claim took it upon herself to contact my office & ask for the cost of each item that could be covered so that I would get the best reimbursement possible. How nice!
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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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