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: Jacalyn

Amaizing coordinated health care

From the time I first took Sophie to Boca Vet through the time we transferred her to Coral Springs Animal hosp. Until her discharge on Friday the 12th July. there was complete harmony and care between all of the doctors and Trupanion ins co.
5

out of 5

POSTED: | BY: Edward

Better than Human Insurance!

We just spent close to 10g's on emergency surgery for our 12yr old dog. 8 months earlier a friend recommended Trupanion pet insurance. I'd heard plenty of stories about pet insurance, so I bought it for $52/month with VERY low expectations of reimbursement if something actually went wrong. But, much to my surprise, this company has been AMAZING. The checks have been coming in, and it looks as if after the $1000 deductible we're getting 90% back. Why can't human insurance work this way? Anyway, it's a great company and I'm a client for life.
5

out of 5

POSTED: | BY: Joan

1000% endorse this company

Kujo is a little puppy we adopted several weeks ago from a rescue organization. He had a rough start at life being severely neglected with lack of even simple life's basic needs of water and food. We have Alaskan Malamutes for the past 25 years and always adopted from a reputable breeder so we knew entire generations of the animal's history. We had Kujo signed up for insurance as he was just such an unknown to us and right from the beginning we felt like he was going to be a handful causing lots of excitement ( prediction right-3 months old and almost died from abusive home and now with this incident!) Our vet suggested TRUPANION and after an initial clean bill of health 2.5 weeks ago, we were enrolled in a 30 day free trial and also signed him up. Kujo had this horrific injury ( penetrating injury to bowel with resultant peritonitis) and we told the vet that we will do anything to make this guy better as we had to give him a chance after fighting so hard to survive at initial abusive home. I had looked into the insurance and saw there was a waiting period on the policy and thought crap; just our luck! However, Kujo was our priority so we never thought no more on the cost and proceeded to try and get him better. So yesterday I happily picked up my little trooper and a FOUR page invoice. After 1 week in hospital with multiple X-rays, bloodwork, special tests, IV fluids and multiple medications entire time, major surgery, intensive 24 hr care, etc, etc. The rece
5

out of 5

POSTED: | BY: Carol

THE BEST in the business!

I switched our dog's insurance from VPI to Trupanion a little over a year ago. How I WISH I had done it sooner!!! Trupanion is truly a JOY to work with. They process claims immediately and there is absolutely NO question as to what they cover, check arriving quickly in the mail. And, our premium just went DOWN from its original price. You can't get better than that. If you are going to buy pet health insurance, which I HIGHLY recommend, Trupanion is THE ONLY one that's worth it in the marketplace.
5

out of 5

POSTED: | BY: Chuck

Wonderful pet insurance company

Wow! What a great company and what a change from the insurance we had before. We have 3 Afghan Hounds currently and have had 9 of them over the years, so we are used to the expense of owning dogs. But over the last 2 years we have had a lot of very expensive medical bills for our 2 older dogs including the removal of a 7 pound tumor; pneumonia and Pancreatitis. it was during this time that we found that our insurance coverage with VPI, which we had for years, wasn't worth a darn. They covered very little of the expense and were not very nice to deal with at all. We got an Afghan puppy last May and signed him up with VPI as we had done for all of our other dogs. But when our oldest dog got pneumonia and VPI covered very little of it ( no coverage for Oxygen...are you kidding me! ) we decided to look for a better company for the puppy. We decided on Trupanion and mistakenly waited until the one year contract with VPI was up before signing up with them. We have since then learned that we could have signed with Trupanion right away and they would have covered whatever VPI did not. So we started showing the puppy as soon as he turned 6 months and he has been doing great but after the show in Long Beach a few weeks ago he started choking and we took him to a Vet only to find that he has a very rare condition called Chylothorax which is very serious and in fact usually fatal if not treated immediately. In his case about 1 1/2 liters of Chyle got into his chest cavity causing o
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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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