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: Kirby Ram

As Good As It Gets

Trupanion has been an absolute delight to work with. We got our puppy last year and immediately signed up for pet insurance with Trupanion. Their customer service reps are a pleasure to speak with - some understanding and empathetic which is exactly what you need during stressful times. One Saturday our pup had complications from a surgery and we called Trupanion to ask what would be covered with our policy. Not only were they so kind on the phone, they were able to call back within 20 minutes with an approval for the treatment so I did not have to worry about what might be covered. Regarding reimbursements, it is the most seamless process and we always receive reimbursement within a few weeks. I am so happy we decided to go with Trupanion and I highly HIGHLY recommend to all other pet owners. You won't regret it and you have the ability to adjust your policy so it fits your budget and needs.
5

out of 5

POSTED: | BY: Kelsey

Thanks so much Turpanion

My unlucky basset hound is 6.5 years old. She had 4 big Intervertebral Disk (Ruptured Disk) opreation in past 2 years. Each one is more than $5000. Turpanion paid every time and supper fast. All I can say, Turpanion saved my dog and me a big time!!!!
5

out of 5

POSTED: | BY: Michelle Delgado

Trupanion was true to us!

After a dog became loose and attacked my 5 lb. Maltese. We thought she would not make it. I startled this 150 lb. Dog and able to free my dog. Took her to vet..had surgery..paid and was reimbursed. Easy and thank you...so unexpected!!!
5

out of 5

POSTED: | BY: Bev Stevenson

Greatest/Fastest Claim payment EVER

My puppy got very sick and took her to the vet 3 times a week for 2 weeks. When I got the Vet bill of almost $2000 I remembered Trupanion. I asked the Vet to submit the bill for me on the Wednesday before Christmas, the faxed it over and on Friday morning I got an email with the claim information and the money was to be deposited into my account. I couldn't have been happier. Not only was my puppy going to make it, but it was Christmas. What a wonderful miracle and blessing.
5

out of 5

POSTED: | BY: Cynthia

Wonderful Prompt Service

Our little rescue dog developed severe OCD that impacted his ability to focus or interact with us. We are so happy that we purchased the coverage for behavior illnesses. Trupanion covers his much needed medication. Trupanion is the BEST!
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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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