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: Taro

Best insurance ever

I had ASPCA for my two cats for years. It was real B.S. You know ASPCA should shame themselves. Only cover up to $1500 for one incident/year only. I kept ASPCA feeling like my good will against my instinct. Finally I moved to Trupanion last October. Then one of my cats got kidney failure. Last October was transition time so my cat was double insured. ASPCA only paid me $1500 out of $7000 plus cost after weeks of communication. Trupanion pick up the rest. It was close to 90% of the balance. And fast. Right I submit the document from ASPCA, it only take 10 days. Trupanion I will give A. To ASPCA, I will give C.
5

out of 5

POSTED: | BY: Heather

Professional and compassionate

From the day that I enrolled my little rescue, the experience has been nothing but professional and when it came to the the appropriate time compassionate. Always helpful, knowledgeable, understanding, they actually listen! Seriously, everyone should have pet insurance that has a pet, or reconsider having a pet. Because what happened to me could happen to anyone, and, it was boom, out of left field! I was grateful that I did not have to make the decision to put the sweetheart down. So get insurance! Or be responsible and don't get a pet if you cannot afford to really take care of it.
5

out of 5

POSTED: | BY: Camille

Easing the Cost of Pet Care

Trupanion pet insurance was the smartest purchase we have ever made. We are life long pet owners and this insurance has made a big difference for us. It has really helped with the medical costs for our otherwise healthy pet's unexpected illnesses. No problems, no hassels just prompt and efficient service. Thanks Trupanion!
4

out of 5

POSTED: | BY: Amy

Vet care bill submision

It was really easy to submit our vet bill to Trupanion. I would really like to see it become an online option though, to make it even easier.
5

out of 5

POSTED: | BY: Melissa

Very Pleased

My dog had several illnesses that needed treatment, and within a couple of days of filing my claim with Trupanion I received confirmation of the filing, status updates, and finally a timely reimbursement. I had another company in the past, but it doesn't even compare with the service and follow through that I've received so far with 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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