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: Peggy Eaton

My Pet Had Cancer Surgery

My 13 year old dog developed an Anal Sacc Tumor which her vet caught very early. The next week she underwent surgery to remove it. She came through with flying colors and Truoanion paid more than $2100 on the $2700 bill, less the deductible and other expenses not related. I was amazed at how swiftly they handled this..it's my first experience with pet insurance ever-should have had Trupanion years ago!
5

out of 5

POSTED: | BY: Lisa Stevens

Amazing coverage and service

Had a CT scan today to deal with thyroid cancer in y beloved greyhound. I was so happy that the vet's office could get confirmation of coverage and do it all in less than 10 minutes!
5

out of 5

POSTED: | BY: LISA STEVENS

GREAT SERVICE AND COVERAGE

My greyhound just had thyroidectomies due to cancer and spent 6 days in the hospital. Trupanion approved the charges on site, and I only had to pay my portion at the time of discharge. It wasn't the usual pay up front and then be reimbursed by check later.This was absolutely wonderful service!!
5

out of 5

POSTED: | BY: Donna Johnson

Terrific Service

We didn't have insurance for our first pet and she had a gallbladder surgery(extremely costly). This insurance is wonderful. Instead of worrying about the cost, you are able to concentrate on our pet. Our 2 dogs are our family. We are Canadians that travelled to California with no problem about countries - wish our health care was as good as Trupanions!Heartfelt thanks again! Donna
5

out of 5

POSTED: | BY: Mia Di

Worth the Money

I purchased pet insurance when my dogs were about 2 years old. I chose the Critical Care option just in case I ever had a major issue, accident, or disease with either of my dogs. I am now 10+ years down the road and Trupanion is helping me have piece of mind as I walk through a Cancer diagnosis and treatments with my youngest lab. All the years of people making fun of me for paying for Pet Insurance of all things has given me a huge return on investment, not only by the financial coverage of each chemo treament and radiation therapy, but taking the financial aspect out of the emotional decision making process you have to walk through when you find yourself in a sitauiton like this. I appreciate Trupanion and the fatc that they have state side call centers and people who are willign to walk me through any questions or concerns I have about a claim. Best money I could ever spend!
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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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