Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,161

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: Gayle

Well worth the price!

Great insurance. Claims handled promptly and payment received quickly. I was not sure about getting the insurance, but decided I'd try it for several months. Really glad I did. I stepped on my mini doxie who we had just adopted 2 weeks earlier and she ended up with a small fracture of the shoulder. Conservative treatment (crate rest) was recommended, but Trupanion would also have covered 90% of the surgery cost (surgery would have been $2,200), if it had been needed. As it was, they covered most of the emergency vet visit and her medication. Sally is doing very well and has healed completely! I'm keeping the insurance!
5

out of 5

POSTED: | BY: John

Trupanion processed claim in 1 day

Our Maine Coon cat, Milo, had to have 2 teeth extracted due to a broken molar and cervical neck lesion. We have been a Tripanion policy holder for 5 years and this is the first time we have had to file a claim. We were very impressed that Trupanion processed the claim the day after the teeth were extracted. We have 2 Maine Coon cats and it is very reassuring to know that Trupanion is there should our cats have an illness or accident.
5

out of 5

POSTED: | BY: Barbara

A+ in every category!

Trupanion is simply superb! Out of the blue my 5-year-old cat was diagnosed with feline diabetes, just 33 days after his policy began. He spent three scary days in a New York City ICU, and his (very substantial) medical bills were reimbursed exactly as promised and with no fuss. I have been busy singing your praises and advising friends to insure their pets. Trupanion gets an A+ all around! I thank you from the bottom of my heart for being there when my cat and I needed you!(Can I increase your overall rating to 11?)
5

out of 5

POSTED: | BY: Leann

Easy to file claims and prompt processing

Our dog fell ill with pancreatitis, which incurred almost $1000 in vet fees for testing, treatment, and medications. After faxing in our claim form, Trupanion quickly let us know that the claim was received. Within a week and a half, I received an email detailing the amount we would be getting back. There were no hassles, and we will be getting 90% of our vet fees back, not including the exam fee (which is excluded in Trupanion coverage). This is the second time we have had to file a claim and couldn't be happier that we have this medical coverage for our fur baby!
5

out of 5

POSTED: | BY: KARLA

Sir Baxter Blackfoot

I had to take Sir Baxter to the Emergency Vet on a friday evening, he was going down quickly and had been throwing up. I took him to er and notified TRUPANION immediatley. Baxter had to have emergency surgery that night. TRUPANION took all the worry off of me by calling the ER VETs office and getting all information. This is the nd time for Sir Baxter and TRUPANION has been there EVERYTIME and they ALWAYS have taken the time to call me, email me and check on Sir Baxter and myself. I am happy to say Sir Baxter IS RECOVERING WONDERFULLY!!! Thank you TRUPANION for another successful venture!
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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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