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: Laurie

The holidays were happier thanks to Trupanion!

When we told our vet what our Bernese Mountain Dog, Baylor, managed to eat in his first 6 months (rope, bathroom rug, etc), he recommended pet insurance. We were actually there that day because Baylor developed a post- op infection after being neutered. We chose Trupanion and have already gotten our money's worth. Most recently, Baylor ate part of a glass Christmas ornament. We were all scared to death that Baylor could lacerate a number of organs as the glass passed through his system. We didn't have to worry about the costs of treatment thanks to Trupanion! Baylor turned 1 on Christmas Eve. We have no doubt that our mischievous "puppy" will cash in on the insurance policy many more times!
5

out of 5

POSTED: | BY: Josefa

Fast Response

I am pleased with the fast response from Trupanion. It really helps when there are larger vet bills.
5

out of 5

POSTED: | BY: KC

Trupanion is great to work with

My experience with Truepanion could not have gone better. My dog needed an operation on her elbow. A live person took my questions over the phone & e-mailed me the needed claim form within seconds. I submitted the form the day after the operation & was paid in a week! The policy cost is low, service is 1st rate. They paid 90% of the total cost with a $100 co-pay saving me $1000.00
5

out of 5

POSTED: | BY: Roseann

My first claim

I have had this insurance for almost 5 years. My yorkie had a end of a chew stick stuck in his throat he had to have surgery to remove the total cost incurred $4300. I comtacted trupanion and was totally impressed. They emailed me the claim form immediately and also faxed each vet a copy so that claim could be submitted. My claim was paid within a week and I received the cheques shortly after. I was surprised and very happy with the entire process. They were so accessible. The only surprise was that they did not cover taxes charged on the invoice i don"t recall seeing this as an exclusion. Anyways i would highly recommend Trupanion and did my friend bought the next day. Very happy pet owner.
5

out of 5

POSTED: | BY: Kristin

Great support and coverage!

We are so glad we have trupanion for our dog Cherry! She had to have surgery on her leg and we were able to concentrate on giving her the care she needed and not worry about how much it was going to cost. It's even better than the medical insurance we have for our own family. Trupanion was caring and prompt and even looked in on us afterwards.
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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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