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: Kathy

Jessie's Lymphoma Claim - Covered....Again!

Jessie is my mixed breed Lab/Border Collie. She was covered by Trupanion when she was roughly 9 years old. She was a rescue so her age is a guess. Within months of her coverage she developed cancer with a very grim outlook for her future. This claim was one of dozens, maybe even hundreds of claims covering Chemotherapy that was paid quickly and easily. I'm not sure if I am more thrilled about the coverage or the success of the chemotherapy. However, without Trupanion we certainly could not see the miracle of the chemo. After 2 1/2 years of diligent care, Jessie is still full of life and enjoying every day. I am happy to say that I am able to watch her slow down just, a bit, from age rather than cancer. I have lost track of how much Trupanion has paid. And although all involved know that her cancer will never be gone...we can do our best to keep it in remission while Jessie enjoys a very high level quality of life. If this sounds like a commercial...it is! I do not hesitate to tell anyone who will listen how important it is to insure your pet, no matter what their age. Do it while they are healthy, the worst thing that can happen is that your pet remains healthy and you never have to experience the heartache of making a life or death decision based on money. Her diagnostic testing alone ran into Thousands of dollars...Covered exactly as her contract reads! Trupanion is a wonderful product. If you are worried about cost...if you feed a quality dog food, it is about the same as a bag of dog food each month. My policy has saved me approximately a mortgage payment each month.
5

out of 5

POSTED: | BY: Lyn

HIGHLY Recommend Trupanion!

Trupanion has been so wonderful to have for my three young cats. One of them had dental issues recently and needed 8 teeth pulled. They reduced my $1,600 bill to just $300. No questions, no arguments, the vet just submits the bills and I get a refund check within a couple of weeks. Such a relief. Thank you for being so easy to deal with!
5

out of 5

POSTED: | BY: Lynne MacInnis

Excellent Service

We initially took out pet insurance on our current dogs because our previous dog (a schnauzer with no insurance) had cost us a fortune in vet bills over the course of her lifetime and we didn't feel we could afford that again. Like most pet owners, our pets are members of our family and we would hate to deny them medical attention because of cost. Recently, one of our dogs has suffered from bouts of pancreatitis where she has had to be hospitalized and put on IV fluids for a couple of days at a stretch. As anyone with a pet knows, this is expensive! We submitted our claims to Trupanion and really, this could not have been looked after any better. The claims were processed right away and we had our reimbursement (90% coverage) within a few days. Their service has been exemplary and we would highly recommend them.
5

out of 5

POSTED: | BY: Burley

Thank goodness for Trupanion!

It has been stressful enough dealing with a puppy limping, but Trupanion made the insurance/money end of things so much easier! Every time I have called to ask a question, it has been so easy to talk to a person (it's amazing not having to go through an automated system!) Submitting the claim couldn't have been easier and they had it processed, complete and a check to me all in under a week! I highly recommend Trupanion!
5

out of 5

POSTED: | BY: Carolyn

Excellent

Quick, efficient service. Really helped me out of a tight spot when my dog had to have emergency care that totalled over $6000.
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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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