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: David Badger

Quick Turnaround

We made a claim and within a period of 2 weeks, we received our reimbursement checks. The company was super easy to deal with and they were very fast! There was no hassle or hoops to jump through. This pet insurance is better than my medical insurance!
5

out of 5

POSTED: | BY: Amy Holsten

Compassionate and Quick!

We were very concerned when our yellow lab, Willow, was diagnosed with a rare jaw tumor at 6 months of age. Thanks to Trupanion, we did not have to let veterinary costs be a factor in choosing the best treatment for her. Every claim was processed very quickly, and thanks to early intervention, Willow's condition is resolved with no lasting effects. Thanks so much, Trupanion!
5

out of 5

POSTED: | BY: Mutsuko Ouchi

helped my puppy

I got puppy and registered Trupanion for him. secound days later he swallowed small ball and got x-ray. Thank you for supporting my puppy! We are new costomer but they cover 90% of the bill.
5

out of 5

POSTED: | BY: Charmayne Ash

Dog Insurance

I was a owner of two pugs. One fawn colored, named Frank and one black pug named Whiskey. We got the two dogs as babies at 12 weeks old. Frank and Whiskey were a year and 3 months old. On August 24, 2013 Whiskey went for a walk with my husband and his brother Frank. Whiskey never even made it out of the driveway when suddenly his hind legs gave out and he fell over and could not walk. Whiskey was rushed to the vet and before we could blink a eye he needed urgent care at a hospital in Burnaby. My son and my husband drove my baby to the mainland to Burnaby and Whiskey had to stay there. I was in the states at the time and was not able to see my baby before he left. Whiskey had a MRI done on Monday and it was determined my best friend had Menigitis. Whiskey started a IV therapy and the doctors gave him a 80 percent chance of making a full recovery. My little buddy took a turn for the worst that night and when I spoke with the doctor in the morning he had a rough night. Whiskey was having seizures and went into a coma. Around noon that day I called to check on Whiskey and he had come out of the coma and was starting to respond a bit. By 2:00 pm that day my best friend Whiskey passed away. I lost my buddy and Frank lost his brother. Trupanion was there for us immediately. I called and explained the situation and they were caring, helpful, and very quick to settle the hospital bills. Trupanion made it very easy to deal with our sudden loss. Even after they were
5

out of 5

POSTED: | BY: Jean

emergency surgery

They processed my claim & within a few days reviewed it & sent me a check. They followed up with e-mails was very caring about Molly & professional. I was surprised they paid so fast.
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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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