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: Kimberly

The best out there!

I had VPI as my first pet insurance. After spending $8000 on cancer treatment for my 5 year lab mix (RIP Jada), VPI paid out less than $2000. My vet office told me about Trupanion! I did not renew my VPI insurance on my other dog. I have only had to make small claims on my current two dogs (Stella and Buddy). Those small claims I received over 75% of my total vet bill. Buddy was hit by a car in February 2013, after emergency vet visit ($600) and oral surgery ($1900); Trupanion paid out $1700. I was so shocked that we recieved such a large return compared to VPI. The claims were processed in less than week! I will always cover my pets with Trupanion and tell all of my pet loving friends about them!
5

out of 5

POSTED: | BY: Debbie

Excellent

Any expected chronic illness of Addison's disease has left us with long term health care commitments with our puppy Hailey. We never know when an Addison's crisis will occur. Or unexpected bloodwork, hospitalizations or medication interventions during stressful periods. Trip anion helps offset the medical expenses. If not for pet insurance Hailey may not be us
4

out of 5

POSTED: | BY: Lisa

Wisers developed eye problem

Wisers had problems with his eye which were treated by out Vet and he was followed carefully and eventually the eye had to be removed, but today he is doing great and adapting very well
4

out of 5

POSTED: | BY: Rebecca

Broken leg

My puppy fell off the bed and broke her leg. Trupanion was quick and very kind. We had a few complications because they didn't have all her history at the time. Once it they had all the infomation on her the other claims went quickly.
2

out of 5

POSTED: | BY: Bruce

Overcharge

One of my two insured dogs had a cancerous lump removed from his leg. When I recieved the report of my claim for this illness, Trupanion broke it up into several different incidents and instead of paying the $250.00 deductable, I actually was charged, inaggregate of $288.00, all for the same illness.
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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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