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: Kathryn Gron

A True Peace of Mind

When I was shopping for dog insurance 5 years ago, I never expected to find such a great company. You always hear horror stories about how pet insurance companies try not to pay out claims, or have caps on the amount they will pay out, but Trupanion doesn't conduct business like that. My dog was 5 when we joined and completely healthy. Over the last 5 years he's had seizures, heart murmur and breathing issues, and almost died on the operating table. Not only did Trupanion always reimburse the amount that was due to me, they did it in a timely fashion. When my dog's issues first started they even had a representative call me to make you I was ok going though something so scary. They treated my dog and I like family. In a time of uncertainty that is exactly what I would want out of my insurance company. You're so busy worrying if your dog will live, bills are the last thing you want to worry about and Trupanion took that worry away from me, making this process easy. My dog would not be here if it wasn't for Trupanion honoring their promise to cover the claim, over the last 5 years I have spend close to $8,000 and they have paid out everything that was owed to me. Thank you so much for being here for us, we owe you everything!
5

out of 5

POSTED: | BY: KATHLEEN

excellent service

Having a pug for the past 11 years, and having pet insurance has been a blessing as our pet as had many medical problems,Trupanion as been there for us from the smallest claim to the largest,with no hassle at all.
5

out of 5

POSTED: | BY: Maria

being grateful

Kore has been suffering from thyroids and arthritis for last 5 years. Now when she is becoming 12, started to suffer from some kind of immunologic illness. Al the time she has had the care that she need because all the trupanion support. For me it has been really helpful and it has made the process easier all the time. I NEVER have had a refusal and all the time I have had the refund for the expenses. Last months it is even more better with the direct claim service.
5

out of 5

POSTED: | BY: H

The best

Have had multiple claims for two dogs and all were handled in a matter of days. Very satisfied with Trupanion. Highly recommend to all pet owners.
5

out of 5

POSTED: | BY: Marjorie rosenfeld

Easy

My vet sent in all the claim forms. So quick and easy!
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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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