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: Janet

Marvelous Pet Insurance Company

Trupanion is "true" to its words. They are quick to respond to all claims I have filed. And, they are compassionate in their responses. The last claim filed was one for sarcoma surgery and one for pre-approval claim for radiation therapy. Jennifer always ends her email claim responses to me by saying something indicating how much she and the company cares for my pup-- "Give Bailey some scratches for me".
5

out of 5

POSTED: | BY: Trisha

Best Investment

It's almost too good to be true. The claim submission process is SO easy, and reimbursement arrives within one week. They communicate regarding claim status throughout the process. We've had several claims, and every time has been a piece of cake! Thank you!!
5

out of 5

POSTED: | BY: Laura

Extremely pleased with Trupanion

My spouse and I waffled on whether or not to even get Pet Insurance, but with a new puppy getting into everything we thought we'd at least invest in insurance for the first few years.At 15 months old our English Lab was diagnosed with cancer (osteosarcoma) and thanks to our investment in Trupanion we've been able to provide the best treatment available. This experience is a difficult one, regardless of your pets age, but it's been made easier knowing that we can focus our attention on our pup, not haggling over insurance coverage or wait times. Claims are paid within days of filing which keeps the financial stress to a minimum. Trupanion has been an invaluable investment and I couldn't be happier with their dedicated customer service team.
5

out of 5

POSTED: | BY: Michael

Outstanding!

Trupanion is nothing short of the most professional firm I have EVER worked with. Their clamS management process takes just 2 or 3 days to post a claim payment to my bank. Unbelievable indeed!
5

out of 5

POSTED: | BY: Mike

Trupanion has provide the service they promised

We decided to get pet insurance for our puppy (Casey) when we got him at 8 weeks of age - I did my research and settled on Trupanion. Over the years we have had small claims and they have always been paid. This year sadly Casey - who is now almost 9 years old - was diagnosed with lung cancer - he has had surgury to remove a lung lobe and the tumor. This involved many tests up to and including a CT scan all of this was covered as stated. He is now in his 2nd round of Chemo - also being covered. Trupanion has done exactly what they said they would cover - 90 % before tax on all treatments and required prescription drugs - this means on a total bill with tax you pay 23% and Trupanion pays 77% - without the help of Trupanion our cost would have been beyond what we could afford - with there help - Casey has a fighting chance now - we will never have a dog without pet insurance and will most likely always be with Trupanion
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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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