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: Kaley Copeland

I'm so happy I could help my dog.

I can't say enough about how happy I am with Trupanion! My dog needed a major knee surgery and I was able to help him because I had Trupanion insurance for him. It is so worth the monthly payment! Everything went smoothly, they paid the hospital directly so I was able to have the surgery ASAP. I didn't even have to do much- so simple. What a relief to be able to do that because it would've taken me forever to get the money together and I was able to have my dog not hurt any longer then he needed to. I highly recommend Trupanion to everyone who has a beloved furry companion.
5

out of 5

POSTED: | BY: J Patterson

The best vet insurance company I have used

I have been treating my Service dog for a number of years now for Cushings DiseaseIt would have been very difficult to provide the care required without Trupanion Coverage because of the costs involved They are a lifesaver both for myself and my dog who continues to be my second ear I always receive my claims payment quickly and everything is explained clearly on the invoice When I have had concerns they have been helpful and friendly They have also covered other health issues that have come up over the years Just a great experience!
5

out of 5

POSTED: | BY: Kathy cirillo

Awesome insurance

Trupanion was the best choice for insurance for our pet. They are knowledgeable, courteous, and pay promptly. Best choice and reasonable. Very comforting to know that insurance is available when our loved pets are ill.
5

out of 5

POSTED: | BY: Heather Richards

A caring company, which cares about your companion

This company is amazing! The quick turn around on the processing of the claims and the caring of the people, just go hand in hand. I am so happy and pleased with this company.
5

out of 5

POSTED: | BY: Catherine

I recommend Trupanion to all my friends

My 8 1/2 yard old cat, Leopold, has had a long history of chronic allergies and diabetes. Trupanion has always reimbursed me quickly and fairly. Leopold was diagnosed recently with kidney disease and was hospitalized for 6 days. The bill came to $5100 and Trupanion processed the claim that Sam day and reimbursed me for $4300. I'm happy to say Leopold recovered and is doing great. Trupanion continues to reimburse me quickly for all of Leopold's new medications as well as his ongoing diabetes an allergy medications. They are the best!
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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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