Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,189

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: Miriam

Prompt and paid claims

Our experience has been great with Trupanion. Have had the insurance for one year. Our puppy had more than her share of issues and Trupanion was prompt and paid the claims that were due. Insurance being what is, you hope you never use it, but we got our value from the policy this year. The best part was they always reviewed the claim quickly and paid quickly when something was owed to us.
5

out of 5

POSTED: | BY: gena

me & my kitty would be sunk without "Tru!"

I registered my then 12-plus yr old kitty about a year BEFOE she developed an alarming "hacky" cough in Dec 2014; since then she gets $90 worth of shots evry 2 1/2 to 3 wks, for which I PAY less than $9--I'm on fixed income, anbd this is a blessing for both of us; Trupanion pays their share before we leave the vet's office, and promptluy send hard copies, and always follow up w/emails!--I'm SO GLAD I found Trupanion, I carry brochures to give out to folks..ifand when it's time for a"next" cat, I'll be getting Trupanion right away!
5

out of 5

POSTED: | BY: Kathy

Excellent customer service and appeal process

Our beagle had a reoccurrence of a mast cell tumor and with Trupanion's help, our claims were accepted and paid. Trupanion is fair and honest and truly cares about our dog's medical care. We couldn't be happier!
5

out of 5

POSTED: | BY: Margaret

A must have insurance

Although Trupanion doesn't cover any dr visit charges (ie the actual charge for the vet to see your pet ) and no regular things like normal shots, fecals, etc., and, of course, pre existing conditions, they cover 90% of all other treatments- no "schedules" that limit the total amount they'll cover for certain ailments, injuries, etc. You can select a deductible, so you can control the cost of the premium. Trupanion agents are friendly, responsive, and quick to pay . My pug has had serious ongoing medical issues for over 2 years, and I don't know what I would have done without Trupanion. I did a lot of research before selecting Trupanion , and it was one of the best decisions I've ever made!
5

out of 5

POSTED: | BY: Cathy

Trupanion is the best!

We did not have insurance for our first pet and even though she was healthy, our vet bills over 10 years of fairly minor events added up to over $3000. When we got our new dog, Kiera we knew we wanted illness/accident insurance from the beginning. Our Veterinarian suggested Trupanion and it has proven to be a great decision. Our dog stepped on a thorn and contracted a rare fungal infection of her lymph system. She required surgery, biopsies, multiple anti-fungal medications, Veterinary Internist consultations etc and each claim has been paid in a timely manor. Kiera was admitted to the Ontario Veterinary College earlier this year and they did direct billing to Trupanion on our behalf - we were told that OVC only offers that service for owners who have Trupanion insurance! We have been able to pursue the best care and treatment for Kiera with the peace of mind knowing that Trupanion is there for us! She is now doing well on oral medication that costs over $700/month. Needless to say, this probably would not be the case without Trupanion. We can't say enough good things about their product and service.
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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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