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: Laura de

Trupanion is Awesome!

When our 9 month old Rhodesian Ridgeback broke his femur our primary concern was getting him the best care possible, a secondary, but also very serious, concern was how we were going to pay for the surgeries & check ups & medications. We managed, and with help from Trupanion we have been able to get Kazi top notch veterinary care and now, two surgeries later, Kazi is on the mend. We never could have afforded it without TruPanion backing us up and paying claims quickly.
5

out of 5

POSTED: | BY: Phil and

Over 5-Years of Insurance Experience

Over five years ago, as we watched Allie, our very energetic boxer puppy regularly running through our two story house as if stung by a bee and looking at us as if to say catch me if you can we realized we would have our hands full. During a few of those runs, she would have puppy- crashes, where she could not yet control her footing and run full bore into our walls and sliding glass doors; then one day we watched in horror as she leaped over our sofa and into our glass door; we waited expecting she would go through the glass and that we would be whisking her off to the vet. Though she did not go through the glass, the thought of that made us realize she (we) needed medical insurance. After extensive research, we chose Trupanion and have been grateful ever sense. Luckily, Allie matured to become a 100-lb gentle lady and over the years we've had Allie she never broke through any windows nor had any serious accidents. However, she has been subject to the normal doggie ailments and we have submitted Trupanion insurance claims which have not only been paid promptly, but also with great correspondence, such as prompt notification that claim was received, then a quick notification of the results of the review and the amount we can expect as part of the claim. Within a very short while, the Trupanion check arrives in the mail. We have not had any experience with other companies, but from our over five years of experience with Trupanion, we would strongly recommend covering your pet with this insurance company. Most recently for a skin problem, the claim was processed within a week and the check in our mailbox within 10-days.
5

out of 5

POSTED: | BY: Dr. Deborah

A life saver!

The caring attitude towards my puppy and her health problem, the speed of both communication and claim resolution and follow up to see how she was getting on made dealing with Trupanion a very comforting experience at a difficult time.
5

out of 5

POSTED: | BY: Larry McKinney

Excellent Customer Care

I continue to experience excellent customer care from the Trupanion team. Last month my German Shepherd had surgery to remove a "mass" on his rear end. Trupanion promptly paid my claim using Trupanion software installed in my Vet's office. The cost of the surgery was around $1,050. The Trupanion team quickly answered my questions before and after the surgery. This was my second major claim with very satisfying results from Trupanion.
5

out of 5

POSTED: | BY: Jennifer Miller

Quick Payment

I adopted my sweet senior dog in October and he has been the best addition to my life. I knew he may have medical problems due to his age, but I loved him at first sight. Unfortunately he recently was diagnosed with pancreatitis. Thankfully we found it rather early so a couple days in the hospital, some meds, and a diet change has helped. Then came the bill. I'm currently unemployed, and it was a tough thing to see, but I knew I had good insurance. I sent everything in to Trupanion and they sent me a check in less than 10 days. I will say I've never been happier to have insurance.
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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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