Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,139

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: Matt

Cardiologist

Our 10 year old boxer Mya went in for a tumor removal and had heart aritmethias. They had to reverse the anesthesia and not perform the surgery. This led to seeing a cardiologist which we new would be expensive, but also new we had no choice because Mya is family. Thank god for Trupanion and Stella and the whole company. They covered 90% of our $1163 bill and made the entire process easy. Without Trupanion we would have to be making major decisions for financial reasons thanks to them we can love our pets with peace of mind.
5

out of 5

POSTED: | BY: Emile

Excellent

Our 11 yr old Golden Retriever had severe vomiting and diarrhea. He had blood tests, scan, x-ray, hospitalization intensive and regular.We had the Trupanion forms filled out, sent in our claim and in a short period we had confirmation of our claims, followed by detailed information as to payment of our claims. Excellent service and follow up of our dogs condition as well. We have had his insurance since he was a puppy and will continue as long as our pension and his life span allows. Bravo excellent service, Would have given a 10 as there is always remove for some kind of improvement...
5

out of 5

POSTED: | BY: Timothy

my dog has better insurance than I do

My dog is covered for so much, I'm jealous. He's got acupuncture, chiropractic, medical, and he even has his supplements paid for. It's kind of depressing, actually, to take him in to the vet and watch him get such amazing treatment paid for by his insurance, while I'm restricted in what I can do for my kids.
5

out of 5

POSTED: | BY: Corinne

Amazing support for Charley's surgery

I am so impressed with Trupanion and the way they handled the claim for my dog's TPLO surgery. As this was a very expensive operation we were so grateful that they paid the hospital directly keeping us informed along the way. The service was fabulous and very fast. Having been with other companies I highly recommend Trupanion and am so pleased we made the switch!
4

out of 5

POSTED: | BY: Ariesse

Awesome - fast and friendly!

This is probably the best thing I could've gotten for our dog. If we never had trupanion, I'm sure I wouldn't be writing this review/survey. Asides from increasing premium from date of signing up, everything else is great and I would've given a 10.
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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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