Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,141

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: Tina

Look no further

We've owned dogs all my life and never before had we thought there was a need for pet insurance. With our newest Doberman Kenzie, it was highly recommended by our vet that we look into it. After researching at least 5 different insurance companies, we decided to choose Trupanion. Besides providing the best coverage, we were impressed that we are covered in Canada and the US. Choosing Trupanion has been one of the best decisions we've made. We've gone through 2 major knee surgeries, thyroid testing and a swallowed object. Not once have we had an issue with getting our claim resolved. Reimbursement from Trupanion came in the mail within 2 weeks if not sooner. Unlike some other pet insurance companies, Trupanion has not reduced coverage or raised our fees because we have submitted a claim. If you're not sure about what insurance company to choose, I strongly urge you to choose Trupanion. You will get great coverage for your pet plus your interaction with them will be stress free.
5

out of 5

POSTED: | BY: Katherine

Money back, it's amazing!

I have a cat who gas eosinophilic granuloma complex. Long story short, she's allergic to everything and is constantly going to the vet for antibiotic shots and treatments. I never used it, to be honest I was avoiding using it because it seemed daunting. Finally, I realized I had to use the insurance I was paying for, and it's amazing! I am getting to much money back, and now my kitten can try to get better!
5

out of 5

POSTED: | BY: Eileen

Best insurance for pets!

Trupanion makes it so easy to care for your pet. We were so upset when our Bernese Mountain Dog swallowed a whole Skewer of meat. Trumpanion put us right at ease making everything so easy so we could concentrate on our dog's recovery. Since we had paid 2,500 we thought we would see half of that but they reimbursed us 2,100. They are the best ever. The even even called to see how he was. They are truly amazing. I would highly recommend.
5

out of 5

POSTED: | BY: Alex

Life saver

My cat had urinary blockage and we had to take him to the emergency room. The bill started to grow very fast and was at a loss. While the vets billing office was adding $200 to my bill every hour I call trupanion. They were supper easy to deal with and delta directly with the vet. They payed over 3k and I covered $800. The reason for the $800 was bc they don't cover consult fee
5

out of 5

POSTED: | BY: c

excellent service and coverage for serious illness

Service so far has been excellent for my dog with chronic allergies. Hopefully,the monthly premium continues to be reasonable. This is the only reason I am not giving it a 10 rating yet.
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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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