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: Duffin Martin

Trip anion is awesome!!

Our dog Haley has had 4 surgeries. Everything has been covered without a moments hesitation. Never an argument or hesitation. Paid promptly every time and the staff are friendly and efficient. Could not think of one negative thing to say. This is the real deal. Haley has had over 20K in surgeries and trupanion covered it all. Wish more companies were like this.
5

out of 5

POSTED: | BY: M. SHERIDAN

TRUPANION DOES EXACTLY WHAT THEY SAY!

BENTLEY (7 YRS) NEEDED TWO SURGERIES ONE IN THE NECK AND BACK. TRUPANION FAST TRACKED APPROVED AND TOLD ME NOT TO WORRY THEY WOULD PAY 90% OF HIS BILL. WHEN A BILL TOTALS OVER $19,000 AND THEY PAID IN LESS THE ONE WEEK TRUPANION SAVES OUR PETS LIVES. PET OWNERS NEED TO WAKE UP. BENTLEY IS HOME AND WALKING AND DOING FANTASTIC. WHEN I SEE PEOPLE WALKING THEIR DOGS I ASK DO YOU HAVE INSURANCE?? "TRUPANION" IS WHAT I SAY. FOR SUCH A SMALL FEE A MONTH. WE WERE ABLE TO GET THE BEST DOCTOR AND CARE FOR BENTLEY. BENTLEY AND FAMILY SAY THANK YOU TRUPANION!
5

out of 5

POSTED: | BY: MaryAnn

Trupanion = True Friend!

My German Shepherd Julie has been a Trupanion enrollee for many years & they helped save her life when she needed brain surgery to remove a meningioma. Trupanion has continued to enable me to provide her with the best of veterinary care in the year plus following that surgery. The staff at Trupanion have all been wonderful to deal with. They are genuinely concerned with my dog's welfare and extremely supportive and helpful in filing claims. THANK YOU Trupanion!!
5

out of 5

POSTED: | BY: Catherine

Amazing company

Words cannot express how thankfull we are for Trupanion to exist. Our dog had 2 knee surgeries, 3 toys removal from his stomach, once attacked by a dog and other small things. Trupanion always paid for our claims and they saved us from being in a debt of approximately $22,000. What a great and easy company to deal with. We have recommended this company to several pet owners and they are also very satisfied. By the way, the reimbursement is always here within a week.
5

out of 5

POSTED: | BY: Jim MacLeod

I took a chance !

And won ! I bought a beautiful AKC white Labrador puppy and my Vetsuggested pet insurance in the event of a major medical event growing up. Instinctively, I thought I may never need it and it wasn’t “going to be a good deal”. A little over a year after signing up Pippa hurt her leg chasing the tennis ball. Several Office visits, X-rays and RX’s etc and the bill was well over $600.00 After a reasonable deductible Tru-panion very promptly paid per their terms. Whew ! A decision to go with Tru Panion was a good one with practicality triumphing over instinct. And I won !
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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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