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: Austin Sanders

The Very Best and I Thank You.

I have made good decision and bad in my life of 68 years I would say this is one of the best to go with Trupanion, I can go to the Vet now and feel at ease about the cost. You folks at trupanion have been wonderful. I can't thank you enough for the attention to my claim forms when sent in. And by the way Peaches thanks you also.
5

out of 5

POSTED: | BY: Barbara DePasque

Excellent one should insure there pets

Wish I didn't have to put in a claim but it was better than I thought it would be. My claim was handle fast and have already been reimbursed. I have three other dogs which I have also insuranced. Thank You
5

out of 5

POSTED: | BY: Jessica Watkins

I LOVE TRUPANION

Layla, my precious Australian Cattle Dog Mix, tore her cranial cruciate ligament! I was so concerned and had no idea what the treatment would entail. She ended up needing surgery, and it had to be done soon because she tore her other CCL 3 days after the first one rupture. Trupanion was there for me and her! They preapproved her surgery and once the surgery happened, we submitted the claim. I was reimbursed within one week. There was no hassle or trouble on my end. They did exactly what I hoped they would do! During times like these, having Trupanion is such an absolute blessing. I cannot say enough great things about this company! They are worth the monthly premium I pay. THANK YOU TRUPANION!
5

out of 5

POSTED: | BY: Shaheen

Highly recommended

Choosing to insure my dog, Clover, with Trupanion has been one of the best decisions of my life! Clover is a black Labrador, and in the two years she has been with us, she has managed to do all kinds of things with her body - emergency stomach surgery and a CBLO surgery to repair her left hind leg. Trupanion has been there for us through it all, rock solid. Not only were the reimbursements were extremely quick, they were credited straight to my bank account! Every team member I interacted with was truly sympathetic, efficient and professional, going above and beyond with emails and phone calls to inquire about Clover. We would have never been able to manage the expenditure had it not been for Trupanion. Our heartfelt thanks to them for doing such a tremendous job. So, go ahead, insure your beloved pet(s) today with Trupanion. It is absolutely worth it.
5

out of 5

POSTED: | BY: Andrea

Best decision

After loosing my first GSD last year and realizing having insurance could have saved our family lots of money when he got sick or even when we got his hip replacement, I knew that when we got our second GSD that we would get pet insurance to help with the unexpected. It has truly been a blessing to know that if something happens to my fur baby that Trupanion steps in financially. Since our recent move to GA, Zoya has been diagnosed with severe allergies and we have taken many trips to the vet for treatment and medications. Filing claims with Trupanion is so easy and they are processed quickly and efficiently and they even give you the option of direct deposit. I'm very thankful that we got the pet insurance this time around.
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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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