Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,189

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: Patti

Life Saving

As you have well heard over and over, a pet becomes part of your family. When they are sick, you want to do all you can to find out what ails them and proceed with medication or procedures. Trupanion has given me that peace of mind. With their quick claim acceptance, I know that I will get 90% of what I pay so I don't have to worry so much the costs, I can keep focused on my furry family member. Thank you Trupanion.
5

out of 5

POSTED: | BY: Michael

Quick and Easy!

We printed the claim form, the vet completed and faxed it out, and within a week a check was in our mailbox. So quick and easy!
5

out of 5

POSTED: | BY: Rick

Acute Renal Failure

Hunter appeared to be lethargic and wouldn't even respond to our voice. He just lay in the snow stretched out, barely moving. He was rushed to the 404 Veterinary Emergency Hospital in Newmarket, ON, where a team of specialists attended him. He was diagnosed with Renal Failure and had less than 25% function. We had to have him in ICU for 5 days! You can only imagine the expense to have him with 24 hour care. We were able to take him home after the 5th day and the Hospital submitted our claim to Trupanion on our behalf. Within 24 hours we had confirmation they had our claim. Within 72 hours we had notice our claim was being processed. To our surprise, we received our reimbursment within 10 days from the original submission. Trupanion continues to reimburse us for all our follow up visits and medication. We have been reimbursed over $10,000.00 dollars since it all began. I can't imagine having to bear this burden alone and am thankful that the tough decisions for treatment were less stressful knowing we had Hunter covered with Trupanion. We spoke with others at the hospital and they told us of limits and actually being cut off because their claim was too high. I am SOOOO glad we decided to get Trupainion for Hunter when he was still a puppy at 8 months old. Our Hunter is now 4 years old and hopefully will grow old with us. Thank You Trupanion for helping us to give Hunter the best possible care !!!
5

out of 5

POSTED: | BY: Sherry

Awesome service

The vet first thought lexi had a twisted intestine, as it turned out she must have gotten into something. Trupanion was very helpful.
5

out of 5

POSTED: | BY: Eva

Excellent Service

Just a quick note to thank Trupanion for your assistance with the bills during devastating times. The service was quick and as promised, which was a complete surprise to me. Knowing what we know of insurance companies, I was pretty sure I would be getting nothing other than excuses as to why I would not get reimbursed. Thank you to all of 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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