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: Beverly Byars

Very Positive Experience

My dog was having trouble urinating and it turned out he had developed some bladder stones. I had to put him into the Emergency Clinic over the weekend and then his regular Vet performed surgery the following week. Needless to say, this ran into some serious money. This was my first claim with Trupanion and I wasn't sure how to go about it, but I called and the rep helped me fill out the claim form over the phone. She was really helpful. All I had to do then was email copies of the bills. I got everything settled in about two weeks and was very happy with the claim settlement. Having this policy made it possible for me to get the best medical care for my dog, so I consider it an excellent investment. Would definitely recommend Trupanion for any pet owner.
5

out of 5

POSTED: | BY: Linda Knight

Thank god for Trupanion

Roxy had blood in her urine. Turns out she had a bladder infection with a resistant organism. We had to put her on a very expensive antibiotic because it was the only one the bug was sensitive to. Now it turns out she also has bladder stones and will need surgery. Once the initial review was done by Trupanion, the multiple claims were paid almost instantly, within a day or two. So comforting to know that money is one thing I don't have to worry about when I am already so worried about my baby!
1

out of 5

POSTED: | BY: Kem

Trupanion is waste of money!

Unless your dog is totally healthy and hasn't been sick prior 18 months don't waste your time. They ask for years worth of vet records. If any illness even unrelated claim will be denied
4

out of 5

POSTED: | BY: Bernadette

Gus thanks you

Gus has had significant medical issues during his 11 years of life and this insurance has allowed us to ensure he has a great quality of life.
5

out of 5

POSTED: | BY: Valerie

Thanks for making it so easy.

I'm thankful that I have Trupanion to help with expenses for tests and medications. With the help of daily medications, my beloved pet is maintaining her condition and we enjoy her every day. Thank you
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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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