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 DiIoia

FABULOUS Customer Service!!

I've had two claims already for my 4-year old dog. When I spoke to a customer Service rep, it didn't seem like I was speaking to an insurance company. The repwas very concerned about my dog, and was very knowledgeable about my dogs medical condition. Sounds weird to say, but they seemed almost happy to pay the claim! Claim process couldn't be easier. Would highly, highly recommend.
5

out of 5

POSTED: | BY: Carol Boyd-McDonald

Awesome service and reliability!

Excellent service and worryfree honest coverage. I would definitely suggest that all pet owners buy insurance with this Company. Hopefully you never need it but from someone who has used it it's also nice to know it's there for you if you do need to use it. Never a worry about providing the best care for my pup.
5

out of 5

POSTED: | BY: Tamara

Stenotic Nares-- Can't believe they covered it!

I was so thrilled to find out that Trupanion was going to cover my dog's Stenotic Nares surgery! Prior to doing the surgery, I had heard from many other French Bulldog owners that the procedure would likely not be covered. Since it's SUCH a good surgery to do on a dog with narrow nostrils, I decided that we would go ahead and do it regardless of whether or not it would be covered afterward. My dog's quality of life was (and IS) worth more than whatever the surgery cost was. The surgery went well, and a few days afterwards I decided to submit a claim. To be honest with you, I was so convinced that it wouldn't be covered that I almost didn't even bother submitting. So you can imagine my surprise when I got an email from Trupanion telling me that they would be happy to cover it. I am just thrilled!
5

out of 5

POSTED: | BY: Ronald Phelps

Pancreatitus

My female dog became lethargic and had not eaten and was not drinking water and was not having bowel movements for about 4 days. My veterinarian checked her for all possible causes and concluded that she had Pancreatitis. She was given antibiotics and started on a catheter for additional fluids. The vet followed her care for 3 days until she was well enough that she started eating again. My bill was submitted to Trupanion who paid all but the 10% and examination within two weeks. I am extremely satisfied with Trupanion for their quick response to the bill and also my vet who very professionally diagnosed and treated my dog.
5

out of 5

POSTED: | BY: Morgan Holmes

Excellent; no questions

Our 3 year-old male has FLUTD which requires on-going care and attention. Trupanion coverage has taken some of the anxiety out of caring for a pet with a chronic condition. In the long run, coverage plus deductibles are likely equal to the cost of treatment, but it's never a sudden financial drain.
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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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