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: Ray

Thanks Trupanion!!!

I had the misfortune of having to have bilateral elbow fragmented medial coronoid process surgery done on my 10 month old rottwieler, and immediately opened a claim with Trupanion. The representatives that I spoken could not have been more professional, compassionate and helpful in assisting me with the process. The claim was initiated over the telephone and I received email notification of very change in the claims process. The claim was finalized in less than one week after being initiated. This was my best insurance experience ever, human or pet!
5

out of 5

POSTED: | BY: M

Emergent FLUTD & follow-up care

Trupanion handled our claims in a timely fashion and has covered a significant portiion of our costs in treating FLUTD, even while we are on vacation and away from our regular vet. Would be nice to have had the second exam covered when he had bloody urine.
5

out of 5

POSTED: | BY: Greg

Great Great Great pet insurance company

I have a 7 year dog mix breed about 100 pounds. Great family dog. Long story short he has mast cell cancer that is attacking his internal organs. We removed his spleen and now he is starting chemo for the next 8 weeks. You could only guess the amount of money this is costing. Before I even got my credit card bill I already have checks from Trupanion and another is on the way. They respond fast and there are no surprises with this company. I would recommend them to anyone who has a pet. Thank You Trupanion.
5

out of 5

POSTED: | BY: Mindy

Prompt reimbursement

Trupanion has always paid my claims in a timely manner & have yet to decline anything that I have submitted. By far the best pet insurance company that I have worked with, & as a veterinary practice manager I have worked with many. I highly recommend them!
5

out of 5

POSTED: | BY: Michael

Trupanion acted very quickly

My Puggle Duncan needed surgery to repair a disc in his back. Trupanion acted very quickly so that I could get pre approval for an MRI and surgery. Thankfully my Duncan is no longer in pain, and is getting stronger every day. The nice people at Trupanion were very gentle, caring and sensitive to my needs. I received reimbursement via direct deposit within a week.
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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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