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.
5

out of 5

POSTED: | BY: Karen Merriam

Great experience!

We signed up for an introductory trial offer of insurance for our two-month old Labradoodle with Trupanion. The company had been recommended by our Veterinarian. Within the next three weeks we had to use the insurance twice - once for a vaginitis and next for a foxtail in the puppy's nose (ouch). The Vet office sent in the paperwork for reimbursement to Trupanion and immediately Trupanion communicated that they had received the claims. Within days they sent another email describing what portions of the claims they would reimburse, and soon we received the checks in the mail. It was quick, efficient and generous in payments, especially since the first month trial offer carried no deductible. We are very satisfied with Trupanion and will continue with their coverage. Their efforts to communicate clearly and quickly are much appreciated.
5

out of 5

POSTED: | BY: Deborah Alderson

So pleased

After spending $10,000 on one of my uninsured pets a few years ago, I knew that I had to get all of my pets insured. I did a lot of research and Trupanion was the one to fit my needs. Unfortunately, my lab ended up with cancer and it was such a load off my mind to know that I didn't have to worry about costs, I could go ahead and get her the best treatment. Trupanion has processed all my claims promptly and I have received my reimbursements in a speedy fashion. I highly advise Trupanion for pet insurance, my experience has been so positive.
5

out of 5

POSTED: | BY: Carry Bruce

Excellent service

We brought our dog in for increased coughing and the vet found that she had a heart murmur so proceeded to do ex-ray's and found she had an enlarged heart. We then had to do an EKG and heart ultrasound. My vet direct billed Trupanion and the claim was instantly paid and I just had to pay my portion. I would highly recommend this company to anyone who has a pet because speaking from experience vet bills can get very expensive and if you don't have insurance there are times that you may be in the position to have to say no to treatment but with Trupanion this decision doesn't have to be made!!!
5

out of 5

POSTED: | BY: Lorraine Galipault

Excellent Service

Our kitten was stricken with FIP. Trupanion made it possible for us to provide our kitten with the best of care and offer the newest medications. They pre approved all of our requests and helped us through the decision-making process. I would highly recommend Trupanion.
5

out of 5

POSTED: | BY: Helen

Dental Claim

My 7 month old Chihuahua needed to have 18 baby teeth pulled. Trupanion approved the claim within a day and payment was made within the week. I highly recommend 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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