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: Sam

Trupanion is GREAT!

My almost 6 year old amstaff mix had a dying tooth (pulpitis). Extraction was possible but a root canal was recommended because it was a large canine tooth. That meant $2500+ all told. Trupanion rushed to get vet records from two hospitals and pre-approved the claim between a friday pre-surgery exam when I first got the estimate, and the root canal the next wednesday. Trupanion covered everything except a $24 acupuncture needle (I declined a rider that covered acupuncture and other extra treatments) and sent out a check for nearly $1800 the day after I submitted the final invoice (I chose a $500 deductible with 90% coverage to keep premiums down). I was already stressed about my girl having general anesthesia and a surgical procedure, but Trupanion took away all the stress about money. They were helpful, caring, responsive, and informative and I'm so glad I was insured with them! And a bonus - Trupanion's deductible is lifetime per-condition, not annual or per-visit, so now that I've met the deductible they will cover 90% of her followup visits related to this condition and surgery! They let me give her the best, vet-recommended care without worrying about whether I can afford it. I can't recommend Trupanion highly enough after this experience, especially compared to stories I've heard about other pet insurance.
5

out of 5

POSTED: | BY: Barbara Hennessey

Outstanding

Easy to understand and dealt with directly from the vet's office. Nice follow up explanations and accounts from Trupanion via email.
5

out of 5

POSTED: | BY: Monica Quinn

Best Insurance Ever!

I've had Trupanion for a few years now and couldn't be happier with their service. It's easy to submit a claim, their representatives are knowledgeable and they process claims incredibly quickly. I submitted my last claim on a Wednesday and received an email days later authorizing payment and a check early the following week. I wouldn't hesitate to recommend their service to any pet owner!
5

out of 5

POSTED: | BY: Natalie

Trupanion is Wonderful

I was lucky enough to have the foresight to sign my sweet boy up for insurance through Trupanion from the time he was a puppy. We ended up needing to lean on that insurance more times than I would have wanted for the poor guy, but they always came through. I don't know how we would have managed without their quick turn-around and incredible policy. Thank you Trupanion.
5

out of 5

POSTED: | BY: jacqueline Blachowski

Trupanion is great

All my pets are insured with Trupanion, I have nothing but praise for the company
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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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