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: Wendy Rose

Quick Handling of Emergency Claim

I can't say enough wonderful things about my first big experience. I have a 9 mos old Labrador. She ate something she shouldn't have and we spend the afternoon and she, evening at the emergency vet. The vet had a direct link to Trupanion so they could do an online filing of the claim for me. Within 2 days the claim was handled and paid. I received a check two days later. They paid as they said in the policy and I was thrilled since this was a very expensive visit. I shared my experience with another pet owner when I was at the vet getting the staples out. I had a not so pleasent experience with another Pet Insurance company so was thrilled that they delivered as I had hoped.
5

out of 5

POSTED: | BY: Nicole Richard

Rufus - Dog's can have nine lives too!

I started with Trupanion many years ago after a very costly emergency procedure for Rufus. I have to admit that I considered cancelling at one point simply because I hadn't really needed to use the policy much. As Rufus has aged, Trupanion literally has saved Rufus time and time again. He has received the best medical treatments available and the best drug therapies. He has survived pancreatitis, ACL repair, a stomach bleed and cancer just to name a few. He is also living comfortably with arthritis in his old age. I have recommended Trupanion to absolutely everyone I know who cares about doing all they can for their pets.
5

out of 5

POSTED: | BY: Stella

Excellent service

I have been very happy with Trupanion. The initial claims on my dog Zeke (2 repaired cranial cruciate ligaments) were handled efficiently and thoroughly. He is now on glucosamine for the rest of his life and I have been impressed every time I submit another receipt for reimbursement. The staff at Trupanion are really friendly and obviously concerned about my pet, and they always pay his claims promptly and with no question.
5

out of 5

POSTED: | BY: Rich

Great service

We've filed a couple of claims with Trupanion and each one was handled successfully, easily and professionally. I could not ask for better service.
5

out of 5

POSTED: | BY: Linda T.

Wonderful!

I was one that always in the back of my mind questioned having pet insurance as it was something I paid each month and never used. Recently my 8 year old dog became very sick (almost overnight). He went from what I saw as a healthy, energetic dog to one that required 24 hour care. Trupanion was there when I and my dog were under tremendous stress. I cannot say enough good about them. Claims were submitted and approved immediately (no questions asked). Quite frankly, I would not own another pet without this insurance. I have since recommended this company to many that walk their dogs with me. Hopefully they listen to what I have said.
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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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