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: Tonia Lofland

Very thankful!

I added my dog Bailey to insurance at the mature age of 11yrs old even though he was healthy I just started thinking he was getting older and may have problems. I wish I had done it sooner in his life but, better late than never. Within 6 mths of getting the insurance I took Bailey in for a symptom. We were sent to a specialist and told we needed several ewxpensive sonograms and blood tests. It was a hige relief to know I had this insurance to help. We spent over $1600 and were pleased with the amount of money we received back into our checking account from Trupanion as their part of our coverage. They even helped with the medicine. Very glad I made this decision.
5

out of 5

POSTED: | BY: Kristi Neill

Lucy

My baby Lucy became very ill and started having seizures one after the other, we had several vet visits and they had to send us to a Neurological Specialist. We did finally find out what she had, after a MRI and spinal tap,which was an auto-immune disease, it is Granulomatous Meningoencephalitis, it was a very expensive trip, but I am happy to say Lucy has been seizure free for a month now!! Trupanion Pet Insurance is the best, they have paid all of our claims without any hesitation!! I have put my other two dogs on the same insurance now as a result of their great care! Thanks Trupanion!!
5

out of 5

POSTED: | BY: Jessica

Trupanion is the way to go!

I cannot thank Trupanion enough. We recently rescued a beautiful 5 year old Mastiff named Monty who the owners were going to put down. With no history on him we brought him to the vet and made sure he got all of his shots and a check up. He was given a clean bill of health until his blood work came back and he tested positive for heart worm. It was heart breaking but we made the decision to treat him. The first week was really rough but Monty is a fighter and three weeks after treatment he is full of life and doing great.I really didn't think the insurance was going to cover it because it was so soon after we got him and we didn't have any history on him. It make me happy to make that payment every month to know that both of my dogs will always be taken care of!
5

out of 5

POSTED: | BY: Breanne Lewis

Excellent

The claim was submitted and handled within 2 days. Communication was frequent, allowing me to stay updated on the progress of the claim.
5

out of 5

POSTED: | BY: Christina

Will never go without pet insurance...EVER!!

Trupanion takes the worry of providing extended care your your pet away. Especially for pets that get diagnosed with a disease. My dog Kona was diagnosed with Addison's. She's a big dog with a hefty monthly prescription bill. There was never a question of coverage. Trupanion Pet Insurance is worthy every penny.
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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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