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: Aaron

Amazing company!

We have a bulldog that REALLY likes socks. He ate several of them and suffered a complete GI blockage. After the first emergency surgery to remove the blockage he went into shock and needed a second surgery. One blood plasma injection and six days in intensive care later and he was well on his way to recovery. The total cost was around 16k and Trupanion paid their share within a few weeks of the claim. I'm so glad we didn't have to make a life-or-death decision for our little guy due to financial reasons. Do yourself a favor and buy insurance for your pet. I can't say enough good things about Trupanion and I recommend them to every pet owner I meet.
4

out of 5

POSTED: | BY: Sue

Wish human health insurance was this easy!

When the vet recommended pet insurance my immediate thought was not another bill. Let me tell you, this is best thing you can do for yourself and your pet! It is a simple, yet cost effective way of managing your pets health. In the event a major illness or if an accident occurs your not left to make the difficult decision of having your animal suffer or worse yet be put down because you cannot afford the major life saving procedure(s) that makes difference of a happier outcome. You decide your deductible based on what you can afford. It is not a one size fits all situation. Claims are handled professionally and the customer service is great. You speak to a human, what a concept! We tend to forget animals age faster than we do by leaps and bounds, sign up when they are young and enjoy peace of mind.
5

out of 5

POSTED: | BY: sherry

Quick, easy, awesome

Love Trupanion. They're so easy to deal with. No runaround,quick reimbursement. Highest recommendation!
5

out of 5

POSTED: | BY: Nancy

Service and response time have been excellent!

We have been quite impressed with Trupanion's handling of any and all claims. They are prompt, fulfill their commitments on coverage,continually provide email communications re: status of claims and if you call, they are always very courteous AND actually concerned about the pet's well-being!
5

out of 5

POSTED: | BY: Chiquita/Brunilda

Chiquita health

I thought that having a health insurance for my 5 lbs chihuahua named Chuita was ridicously. But I soon realized that my little companion health was that ultimate priority for me. Trupanion was recommended by our vet and I am soo glad we decided to join. We have had only excellent results without any hussle on claims. I have recommended Trupanion to others pet owners.
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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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