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: Sandy Leonhardt

This insurance is worth every penny!!!

My dog Pixie Dust broke a tooth which became infected Trupanion,then before the surgery to remove the tooth suffered an asthma attack. It was her first one and pixie's vet said it was probably from the Ridge fire affecting air quality.Greatfully she has recovered from both!Trupanion has paid all expenses less my deductible. I am so glad for this great company.
5

out of 5

POSTED: | BY: Robert States

Trupanion cares and is the best.

Our dog, a Labrador Retriever, had her second TPLO surgery (ACL) surgery in the past 1 1/2 year. Both hind legs have now been repaired. Trupanion always paid their 90% promptly and actually had employees who cared about our dog and her recovery. I always gladly recommend Trupanion to any dog owner, most of whom don't realize that pet insurance is available.
5

out of 5

POSTED: | BY: Patricia Hohman

Very satisfied client

This is the second claim that we have filed for our dog and have been very satisfied with the claim process and the quickness that the claim has been handled.
5

out of 5

POSTED: | BY: Nick Xanttopulos

Great Insurance with No hassles

We adopted our dog Jack in March of this year, and our vet recommended Trupanion. We signed up for it, and then this August he stopped eating and had vomiting. Our vet sent up to a specialist and after testing, Jack needed surgery. Trupanion paid their portion without hassle. Great coverage!
5

out of 5

POSTED: | BY: Barnie

Great Pet Insurance

Having Trupanion insurance for my current dog has been a God-send. My previous golden retriever died of hemangiosarcoma. Expenses for her treatments and hospital stays were almost $10,000, and I did not have pet insurance for her. It was heart-breaking to lose her almost 2 months after her diagnosis. One day after I adopted an older golden, I saw Dr. Jon's newsletter about Trupanion and signed up after looking further into its plans. It was the one of the best decisions I made. Unexpectedly my current golden was recently diagnosed with Lymphoma, and having Trupanion insurance has been very comforting especially while dealing with this tough illness. The reimbursement procedures are easy to follow; the company keeps me updated with timely emails of each claim; people I talked to on the phone are kind and helpful. Thankfully Barnie is in complete remission but still needs to continue with the chemo treatment and follow-up vet visits. I highly recommend Trupanion for all pet owners. One never knows when our beloved pet may become ill or encounter an accident. Having Trupanion insurance sure helps with the payments, provides a peace of mind and comfort for my pet and me to face these unexpected challenges.
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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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