Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,162

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: Lara

Thank you Trupanion!

I got Trupanion Pet Insurance for my two cats as a Christmas gift from my partner. We went away for Christmas and two days after we got back my young cat, Muffin, refused to eat. We took her to the vet for a check up and for the next three days we returned as none of the suggestions to get Muffin to eat were working. Finally, we had to get x-rays, medications, and finally surgery. At this point we were fresh out of ready cash to pay for procedures and had to call our brand new insurance company for pre-approvals. Trupanion was really easy to deal with, their case worker, Maria, was supportive and compassionate and Trupanion came through on all counts. I am so impressed and thankful for everything Trupanion has done for my little Muffin and for her worried parents. We are still working with the vet to find out what is wrong with our cat but I feel so much more confident knowing that we can depend on Trupanion.
5

out of 5

POSTED: | BY: Marcia

WONDERFUL

WOW!This is my first experience w/ TRUPANION, so thank ful my vets recommended this company. I have been w/ VPI since 1989, have been happy w/ VPI, but TRUPANION WAS FANTASTIC! We recently had a huge scare w/ our 5 mo IrishWolfhound, thought we were going to loose him, emergency, many tests, inc a spinal tap, huge amount of meds, 5 days of hospitilization HUGE!! bill...TRUPANION was contacted by our vet immediately, their coverage is awessome, their response within hours!! Quincy is recovering well, eating, sleeping, finally no pain. LOVE LOVE LOVE TRUPANION!!
4

out of 5

POSTED: | BY: Danielle

7 Alpers

Our 14 month old Mastiff was diagnosed with Arthritis. I submitted my claims for the first diagnosis and it took over a month for TruPanion to pay for that claim. However, since then the claim turn around has been much faster. I thank them for helping us with our Young Puppy. She is a joy and we could not do what we do for her without Trupanion
5

out of 5

POSTED: | BY: Shelley

No nonense....

We have a 14 month old labradoodle named Murphy. He has had a tough start to life and most recently has been very ill with an undiagnosed issue... after lots of patient vets and testing it was discovered that he had an overgrowth of bacteria and ulcers... as well as gastroenteritis.... Trupanion has been amazing in their help with looking after Murphy... I have always been warned to stay away from pet insurance as they make it impossible to get reimbursed but Trupanion has been amazing.. they are caring and dedicated to helping us and our pooch!
5

out of 5

POSTED: | BY: Danielle

the best pet insurance

So far we have had Trupanion 11 months and it has been the best insurance to far. Our dog just turned 1 and had 5 claims so far they have always asked how out dog is doing before anything else. It has been the best piece of mind knowing our pup is covered.Even when the unthinkable happens like our dog who got but by another dog at no fault they asked if she was ok and processed the claim within 24 hours.
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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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