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: Brenda Johnson

Fantastic Insurance Company!!

Trupanion was a free trial when we first got our puppy. She is a basset hound. Little did we know we would be needing to use this insurance as soon as we did. Sara had 8 extra teeth that needed to be removed to allow room for her regular teeth to grow in properly. Trupanion was there to pay for the special Vet Dentist to do the surgery. She also has stomach problems and we are constonatly putting her on medication for that and special food to try and figure out what is causing it. Again Trupanion was there to help us through this time. Sara is only 8 months old and if we had to pay for all the medical bills so far ourselves it would be close to $5000.00 but Trupanion has been by our side helping us and caring about Sara as much as us. I would recommend this insurance for any new pet owner. They are so fast at sending the reimbursement or paying the vet which ever the case may be.
5

out of 5

POSTED: | BY: Gary Duncan

Excellent

Great Service.
5

out of 5

POSTED: | BY: Judith Deltuva

Trupanion is fair and efficient

Lilly came into my life 13 months ago. As an avid walker I needed a dog that could cover a lot of ground. As soon as I laid eyes on Lilly I knew she was the one. I'm retired and hesitated to get a dog because I'm on a moderate fixed income and I know owning a dog these days can be very expensive. Lilly had been found by a gentleman who was physically unable to walk her and the lack of exercise for such a high energy girl was causing behavior problems and tension between her and her owner. Pretty much at the end of his rope, he graciously allowed me to have her. I decide that I needed to be sure that I could provide Lilly with quality care should she ever need it and made the decision to get insurance. My vet mentioned Trupanion and and I'm grateful that he did. I bought the policy within days and thought that should Lilly ever be injured or swallow some foreign object she could get the help she needed. Lilly thrived on a high quality diet and daily walks of four miles a day. After being with me for over a year she began to show signs of gastrointestinal distress. When it persisted for several days we went to the vet. Two visits (including an overnight stay)with an x-ray, sophisticated blood tests, medications, food additives to aid digestion, a specially prescribed dog food, and first rate care resulted in a diagnosis of the early stage of Addison's Disease and two bills totaling $1,887.00. The first visit included items that I knew were not covered such as the office visit charge, flea/tick/heart worm meds etc. I mailed the claim form and immediately received an email from Trupanion that it was being processed. Within days a check for $343.00 was issued to cover the eligible charges. I was impressed. The second claim was for $1184.00 and a check for $1,035.00 is on the way. I got the same speedy response from Trupanion and so I will be able to use the money to pay the credit card bill before the due date. I'm very happy with Trupanion. I have peace of mind that I can take care of Lilly. We caught this condition in its early stages before organ damage and having coverage contributed to that. The vet said that she will need cortisol supplements to maintain good health and that she should have a normal life span. Trupanion if fair and efficient. Singing up was a good decision. I bought it for peace of mind. Little did I know how soon it would need it. Lilly is doin
5

out of 5

POSTED: | BY: Michael McCauley

Outstanding

They are very fast,if the vet gets the paper work in you will hear from them in 24 hours.Never taken more than 10 days to get reimbursed.Would never use anyone else for my pets.
5

out of 5

POSTED: | BY: MJ Martinuk

Happy with the service

Very quick turnaround and no surprises..?

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 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  

Get a quote today

Leave a review