Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

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: Mallory Duboff

Absolutely Amazing!

My pup fractured his knee, and it was a stressful situation for both him and myself. You guys over at Trupanion were incredibly awesome. You walked me through the process, always being kind and caring. You were extremely quick in terms of reimbursement. Everyone at Trupanion truly made this experience easy, and I am so thrilled with my insurance decision. I can not thank you enough! You are so wonderful!
5

out of 5

POSTED: | BY: Dylan

Prompt and reliable

We were skeptical about pet insurance from all the negative stories out there, but Trupanion has proved the skeptics wrong. We contacted Trupanion after-hours, our call was received by an operator, and a Trupanion representative called us back within 10 minutes. Our claim was activated by our local animal hospital, we paid our deductible, and the rest was handled for us. Trupanion allowed us to provide the extensive care our puppy need without the burden of high vet bills. Thanks Trupanion for helping our puppy receive the medical attention she deserved. Forever grateful. Stella, Darah and Dylan
5

out of 5

POSTED: | BY: Jo

Excellent service

I did everything online and my claim was taken care of in two days.
5

out of 5

POSTED: | BY: Kate Gigstad

Thank you

The worst thing is hearing your best friend has cancer. I called Trupanion right away and you met me with the help I needed and comforting words. Thank you for the support.
5

out of 5

POSTED: | BY: Sarah

Excellent, fast repayment so you are not out of pocket for too long!

Service has been beyond expectation. We have a nine month old golden doodle who is always at the vet for stomach upset! I would recommend pet insurance to all new doodle owners and definately highly recommend they go with Truepanion insurance! They are fast to do claims when you have had to layout huge amounts of money for a sick pet! Some vets will even submit the claim for you and it's as quick as before you leave the clinic. So you are only responsible for your portion. Thanks:)

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 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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