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: Carrie White

Best money ever spent

My yellow Lab's been with Trupanion since he was 6-months, and needed assistance with spinal issues before age 2. My boy is now 10 and his coverage has paid 90% of meds, operations, accidents, and special treatments. My vet faxes in the form and I'm reimbursed quickly. Excellent insurance model + caring staff = happy customer!
5

out of 5

POSTED: | BY: Diana Rapposelli

They love my pet family!!

We have a White/Brown spotted Boxer that needs some special care and all of our claims have been processed in a very quick time.....some of the procedures were expensive and Trupanion processed the claims within 2 weeks or less.....Bella has a liver issue that requires a special diet and medication. I had hesitated getting insurance for our new "puppy"...but I had a feeling that we needed to make sure we could afford anything that could occur with our special "Bella".....Boxers are sensitive dogs with some predictable health issues,so I encourage boxer owners to insure their new family member to give them the best life possible :o)
1

out of 5

POSTED: | BY: Lisa Keown

Scam

My dog was less than a year old. Went to the vet for puppy care. He is a cocker spaniel. He had two different skin diagnosis. One before insurance and one after. They denied the claim even after an appeal with the vet stating that they were different conditions. The female in claims stated they would never cover a skin issue or possibly ear issues because they are related. Wrong. Save ur money. 👎🏻
5

out of 5

POSTED: | BY: Julie Nittoli

Trupanion is outstanding and unparalleled.

My dog had TPO surgery for hip dysplasia when he was a year old. He is five now, and has had continuous problems, due to complications from the surgery. Plus, he still has hip dysplasia. Trupanion has always taken care of our boy, and is keeping him walking. They paid 90% of his surgeries and still pay 90% of his ongoing physical therapy and acupuncture. Everyone I've spoken with has been compassionate, caring, and extremely helpful. I send everyone to them and would never go anywhere else. They are the absolute best company for pet insurance. We love Trupanion! If you are looking to insure your pet, don't hesitate. Use Trupanion.
5

out of 5

POSTED: | BY: Lauren C.

Extremely Professional

Trupanion is an excellent company that will take care of your precious companion when you need it most. My story involves my 1 year and 1 month old Bernedoodle (Bernese Mountain Dog and Poodle Mix): I noticed Kona was acting strange when she returned from a stay with my mother while I was out of the state I brought Kona into Riverside Animal Hospital in NYC, and Dr. R took the utmost care of Kona. They ran important diagnnostic tests and made sure that Kona was comfortable and at ease. Through the extensive testing, Dr. R found that Kona had swallowed a large piece of red plastic from a ball she tore apart. Since the piece was not astronomically big, we were able to give Kona the proper medication allotted by the Doctor, and she passed the piece of plastic the next day. I am forever grateful that Trupanion was there for me and Kona while we needed to do extensive testing and diagnostics. Without Trupanion, I would not be able to provide Kona with the best care that can be offered. Thank you 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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