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: Mary Rueda

Thank You!

I thought buying this coverage was a waste of money at first but thank you so much for helping me with our claim! I can't believe I had to submit the claim having a young and healthy puppy! I guess you never know! And the claims process was smooth and easy! Had reimbursement in less than one week! Thank you! Thank you! I have already recommended you to others and based on my recent experience one of her friends insured her pup immediately!
5

out of 5

POSTED: | BY: Jacqueline Rasenberg

Extremely pleased!

it was great receiving an email the day after my claim was sent in, indicating the exact amount being covered, it put my mind at ease, knowing the cheque was in the mail.
5

out of 5

POSTED: | BY: Deborah Gehlen

Trupanion to the rescue!

What a relief to have Trupanion for our cat when we needed it! The best decision I have made! I have - and will refer as many friends and family as possible! I am grateful. Thank you, Trupanion!
5

out of 5

POSTED: | BY: Leila Dunn

Making difficult times easier.

It is so hard to have your animal companion be ill, anyone who has experienced this knows the feelings. Giving my fur kids the best medical and dental care is the least I can do for them, for they have given me their gifts of unconditional love and joy. What a relief that Trupanion is going to take care of me by helping me bear the expense. Years of experience with Trupanion has shown the phone representatives are kind, patient and caring. Claims are attended to rapidly and paid fast. What more could anyone ask!
5

out of 5

POSTED: | BY: Paul Platts

Trupanion is a Star!

I had Trupanion insurance on my golden retriever since the day I brought her to the vet. For several years, I paid the insurance with no claims, but hoped that if the day ever came that I needed them - they would be there. On October of 2015, my 3 yr old Golden Retriever ate a face towel. This towel locked up in her system and had to be removed surgically. The surgery had complications, and two days later another surgery. From there, she still didn't improve and ended up in a 24 hour care facility for over a week. At one point they thought Star was septic, and I'd have to put her down. Through all of this I kept slapping my credit card down, and had my fingers crossed that Trupanion would step up when I filed my claim. What was supposed to be a 1 day surgery, turned into 12 days of care from start to finish, and almost $7K worth of expense. Trupanion's customer insurance was fabulous, and they jumped on the claim right away. I received compensation from Trupanion within a week of filing the claim. Normally, I'm very skeptical of insurance ... Trupanion was one of the best decisions I've made! Thanks 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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