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: Andrea VM

Very helpful

Trupanion is very helpful when you call, and they respond very quickly to claims. They have been a life saver for me this last month, as my dog has required many medical needs and Trupanion has been understanding and fabulous and fair!
5

out of 5

POSTED: | BY: Brock

Fantastic Service!!

My dog ate part of a toy chew rope, It was lodged in his intestines. He was very sick, x-rays could not see it. He become so sick they had to do exporitory surgery to find the rope. I received a call from the vet that not only had they found the rope his intestines had burst. He had a very slim chance of making it though the surgery and then the recovery of the poison in his system. Plus it would be costly for the recovery and surgery. The question was do you want to put in down! No, was the answer right away, do what every you can to save him. I got on the phone with the Trupanion and made sure all was covered and the folks on the phone was so nice and understanding as to the stress I had on me that day. They covered everything except my deductible and 10%. I had to pay up front to all the vets and ER but I received checks from Trupanion in a weeks time. I could not have asked for better service than that! FYI my dog is doing great and made a full recovery.
5

out of 5

POSTED: | BY: Gail Palatine

Fast claim response. Great customer service

My Labrador has been insured with Trupanion for 4 years. Unfortunately, she has gad a number of illnesses and several surgeries. Trupanion has been there for us. They always handled the claims rapidly and interacted with the Vets fir information when necessary. I am so glad I opted for Trupanion. I highly recommend Trupanion to all my friends with pets!
5

out of 5

POSTED: | BY: Jacqueline Klinger

Easy!!!

This is my first time having pet insurance. I was nervous the first time I had to file a claim. I have had nothing but great service! So easy to process claims, never a question! I will never go without pet insurance again!
5

out of 5

POSTED: | BY: Cheryl Yarter

Tupanion lessens toe stress of having a sick pet

Thank heaven for the speedy, compassionate staff at Trupanion. Our miniature poodle, Izzy, has been very sick. Trupanion's swift response to our claims has really helped us to get the best care available and lessened our stress. We highly recommend Trupanion.
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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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