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: Janelle

A life-saver! (Really!)

I have never before had pet insurance, although I've had pets all my life. But I decided to try it out, signing up with Trupanion, and in less than 1 year, my decision literally saved my cat's life. When she began to vomit blood and retch, and x-rays showed a likely foreign object, I okayed surgery to save her. Without insurance, I don't think I could have afforded it, and I would hate to have lost her just because of money. I filed my claim and received a check within 3 weeks! Thank you, Trupanion!
5

out of 5

POSTED: | BY: Katy

Quick Reimbursement!

My dog had eye surgery, and the vet faxed the claim in for me. It was responded to within a week and paid within another week. It was nice to receive 90% of the bill back in a check!
5

out of 5

POSTED: | BY: Susan

Fast, excellent service

My golden doodle puppy (6 months) ate half of a soft plastic dog toy. In his stomach, the pieces hardened into little knife shards. The vet hospital extracted 22 pieces of the stuff through an endoscope. So glad I had Trupanion insurance!!
5

out of 5

POSTED: | BY: Monica

Very pleased with service

I have insured my pets previously through another company. I insured my older pet (11) through Trupanion. She has since unfortunately been diagnosed with lymphoma. I was concerned that I would have trouble getting help in reimbursement as she is older. I had NO difficulties AT ALL. They certified that this was not a pre-existing condition, readily communicated with both my regular vet and the oncologist. Every phone call I've placed has been answered by a knowledgeable, kind customer service rep.I am honestly so grateful to have signed up with this company. I am a dog lover, and forsee myself insuring future pets with them as well. Well worth the investment.
5

out of 5

POSTED: | BY: Carla

Love love love

I've had Trupanion for about 5 years now and they are truly the best. Every time I submit a claim it always gets processed super fast and I get the money in no time. They were also the only pet insurance company that would even cover my senior dog. Thier rates are always affordable and their coverage is the best in the business, trust me I did my research. It's very reassuring to know that my baby boy is protected and that I'll never have to worry about his health and money. Thanks Trupanion.
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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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