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.
4

out of 5

POSTED: | BY: Gayle Bonsey

My Great Dane puppy Kayos & his experience

Kayos a Great Dane puppy had an everted third eyelid. He was scheduled for surgery m2 days later, trupanion worked with me to get the preapproval done. He had his surgery and about 8 days after submitting the claim I received my reimbursement check. My first experience with pet insurance and in hindsight everything went pretty smooth. Kayos's eye has healed and he no longer has to wear the cone of shame. He is back to his happy healthy self. He is such a marmaduke. Thank you Trupanion for your patience and help during this stressful time.
5

out of 5

POSTED: | BY: Bob

Excellent staff, website, very quick claim process

Excellent service - staff extremely helpful and responsive. Website to submit claim very useful and response within two days of submitting claim and associated paperwork. Have already recommended Trupanion to other pet owners. Keep up the excellent service!
5

out of 5

POSTED: | BY: Yvonne Brandenburg,

Should have followed my own advice sooner!

As a veterinary professional, I have told pet owners for years to get insurance for their animals. I always said that it helps take the financial aspect out of deciding treatment plans for their members of the family. Finally, I followed my own advice! I'm so glad I did. Trupanion honestly saved my dog and my family from potentially not being able to treat because of finances. Working in the field, I've adopted pets that had some issues, but none unmanageable. Luna has had allergies, and some skin issues. She is almost 6 and one morning she didn't want to eat breakfast. She always eats breakfast. I looked at her and thought she was a little pale so I took her with me to work. Turns out, she was very anemic, and her body was attacking both her red blood cells and platelets! Needless to say, this was a major life threatening medical emergency. Knowing that she had insurance made the decision to treat possible. She needed 2 blood transfusions, hospitalization, multiple meds, and constant monitoring. Everyone I talked to at Trupanion made the process easy, and let me focus on my baby. Once my claim was submitted, I was reimbursed within a week! Now I know that I can provide the best care possible without draining my finances. Luna's happy and still healing and I recommend Trupanion to everyone I know! Thank you for giving me and my family peace of mind! Wish I had done it years sooner!
5

out of 5

POSTED: | BY: Donna Serio

I Wish My Own Health Care Insurance Was This Good

Trupanion has made the process of submitting claims painless. In just a matter of a few days I have received notice that my claim has been accepted, approved and processed and payment is on the way. It gives me much peace of mind to know that my pet's health care needs will be taken care of and that I do not have to consider the financial feasibility of treatment. I have called customer service to get questions answered and everyone there is very friendly. They even asked me about how my pet was doing after treatment. They seem to truly care about my pet' well being.
5

out of 5

POSTED: | BY: KM

Thankful to have it

My pup has been to the vet far more than any other dog I've had. He consumes everything he can, whole, without chewing. I got Trupanion and am thankful. The last trip to the vet cost $4500 and they covered over $3600 of it. I recommend them for anyone with a young dog.
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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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