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: Brian

Very fair, very fast

Our Little Bud had life threatening bladder stones. Our vet operated to save his life. We contacted Trupanion a few days later and we received a settlement in under 3 weeks. We could not be happier with their response.Little Bud is now healthy and back to his old tricks. We would like to thank everyone involved for saving this little guys life. That includes Trupanion. Brian Kilhams.
5

out of 5

POSTED: | BY: Sherry

Olivia's Operation

Olivia is one of three rescues who found her forever home with us. I was concerned for her after discovering a lump below one of her ears just before the holiday season. She was admitted for surgery in December and Trupanion reimbursed the covered costs by January. Although Olivia was covered for a number of years, this was the first time we put Trupanion to the test and we are very pleased with the outcome. The claim process was straight forward and supported every step of the way. Having the coverage gives us peace of mind that our little ones' health is looked after and the cost doesn't have to be the deciding factor for treatment. Trupanion's customer care provided seamless support with clear communications, follow up and follow through. I would definitely recommend their service!
5

out of 5

POSTED: | BY: Pamela

fantastic

Quick and always courteous!
5

out of 5

POSTED: | BY: Glenn

Life and bank account saver

Trupanion i was introduced to when I moved by our new vet clinic. They have been a godsend in how fast they process claims and what they cover. Now with their Express program you only pay what you owe at your vet now instead of waiting for the check to arrive and you paying everything out of pocket.
5

out of 5

POSTED: | BY: Cynthia

Trupanion- True to their word

Since we have been insured with Trupanion, (3) yrs., anytime we have requested informationwe have received excellent customer service in a prompt reply. Recently our Black Russian Terrier had to have a procedure for his hip problem. When our dog was insured at the age of 6-8 weeks, we choose to cover him for Hip Dysplasia. From the start of requesting a quotation to the claim payout, we received prompt attention and a very fast payout- within one week of the procedure date. Turpanion’s customer service far exceeds customer expectations. I would highly recommend Trupanion for pet insurance, and I will continue to use them in the future. Cynthia, Toronto, Ontario
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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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