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.
1

out of 5

POSTED: | BY: SM

Worst... Rate continue to go up service goes down

At this point i've invested so much on my 2 dogs policy i feel like I'm held hostage by these crooks, would never recommend trupanion.. Yes I'm a customer and they don't take care as they say!!!
5

out of 5

POSTED: | BY: Patty Peckham

Very efficient.

Ebony has been diagnosed with adenocarcinoma. She had a growth removed from her an us for palliation. Trupanion handled my claim with only a few questions for my vet as we had initially been treating the growth conservatively. They made a difficult experience easier as I was reimbursed for 90% of the total cost.
5

out of 5

POSTED: | BY: Sandy Varley

Thanks For Caring TRUPANION

I have had dogs and cats all my life, but never had ins. coverage for them. When I got RUFUS at 6 weeks old my Terrier puppy was a Terror. My vet introduced me to the Trupanion Pet Insurance. I had a gut feeling that I was going to need insurance for this little guy and I purchased Trupanion Ins. At a very reasonable payment per month. At first I begrudged spending that money monthly. BUT!! I will promise you that it IS the best 68.50 I have ever spent. Within 3 months RUFUS had a tooth pulled and Trupanion coverage 90% of a 700.00 dollar bill..It has been ongoing medical problems for my little friend. He has had ongoing ear problems for 10 months now PLUS with blood tests done, we have also dicovered that Little RUFUS has alergies. (grass) being the number one and highest level.....RUFUS now. has to have allergy injections for (possibly) the rest of his life. Again, TRUPANION PET INSURANCE, has been a God Send for me and my little RUFUS. Rufus is 1.5 years old and without this insurance. I hate to think what the financial outcome could have been. Trupanian Staff are absolutely Professional, Caring. as well as kind. I am Great full for Trupanion and Blessed that they have been there for RUFUS and me. I would have been THOUSANDS of dollars in debt. had I not been introduced to TRUPANION....I recommend them to anyone who loves their pets. My Brother in-law and friends seen what Trupanion was all about and now have Trupanion Ins. for their pets. I can't say enough except THANK YOU Trupanion and Staff....Your Awesome !!
5

out of 5

POSTED: | BY: Katherine

Letting us worry about her recovery rather than co

Jasmine quickly answered my pre-approval request and worked with me to quickly resolve our claim once the vets submitted it. Dealing with surgery for a young, active dog is hard enough. I cannot imagine doing it without Trupanion's support--having to worry about coming up with $5,000 to cover the surgery cost. I know they will continue to support us through Juno's rehabilitation. So grateful I chose Trupanion and I recommend them to everyone.
5

out of 5

POSTED: | BY: Karra Soedarjo

A very satisfied customer

Trupanion alwasy ensure that our claim is process in a very quickly manner and the service that they provided coupled with their incredibly simple and rounded policy gives us a piece of mind. No more headaches to figure out the coverage and no worries for the processing time. We've used Trupanion since Munchies was 8 weeks old and we will never use other insurance company. So far we are a happy and satisfied customer. =)
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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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