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.
1

out of 5

POSTED: | BY: tld

VERY DISAPPOINTED

my pet had hair loss, we tested him for cushings 5-6 years ago, NEGATIVE was diagnosed having alopecia. Took him in for dental cleaning blood work, numbers came back high further tests were needed, something was going on. Tests confirmed POSITIVE for cushings disease - they declined all tests because 5-6 years he was tested for the possiblity of, which was negative 100%. I appealed like many, and declined again. I submitted for meds and blood test for cushings making sure levels were good, DECLINED - disease diagnosed September 2015, first time meds. DISGUSTED. I canceled, the policy, rather use the money for his meds rather then the stress of wondering if the insurance company will accept or decline. NOT WORTH IT. I thought was getting a solid peace of mind for my pet, it didn’t happen. Years of paying for a service and having 3 increases in 5 years. NOT worth it folks.
5

out of 5

POSTED: | BY: Carolina

A must have for pet owners!

Excellent service and no hassle. They covered without giving a hard time and saved me a lot of $$$.
5

out of 5

POSTED: | BY: Melissa

Best Pet Insurance company out there!

Without the help of Trupanion I would have never been able to afford the care for my dog Pepe. He was diagnosed with prostate cancer in August, so far his Veterinary bills have exceeded $12,000. I am an Animal Health Technologist and I work at a referral practice so I have access to all the care he needs, but there is no way I could afford his cancer treatment without Trupanion. They have been unbelievably easy to deal with. I have my bills paid directly to the clinic and I only pay my portion. I got an almost immediate reply when I sent off for a pre-approval, which is very important when you are dealing with an emergency situation! I would highly recommend Trupanion to anyone owning a pet, they are the easiest, fairest and fastest pet insurance company out there. It's the company I recommend to all of my family and friends for their pets.
5

out of 5

POSTED: | BY: Fatima

Good job

My cat Xoey was taken to the vet for stomach upset. The vet checked her, prescribed medicine and sent us home. I was told by the vet admin. that they will take care of notifying Trupanion. I was stressed out and did not even realize that everything was taken care of by the vet and Trupanion without me having to fill up forms or anything when I got an email from Trupanion and a letter in the mail the same week. Appreciate that!
5

out of 5

POSTED: | BY: Debbie King

Great caring insurance

Missy has very serious allergies and a narrow throat her last visit was stomach issues. They have been wonderful in helping to take care of her issues. She is my life thanks Trupanion for being there for us.

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 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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