Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,139

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: Judy

patella issues

Informed and courteous representatives kept me posted on status of claim...they called me!!The company was prompt on providing a quote on an issue. Pleased with this insurance company to date.
5

out of 5

POSTED: | BY: Tracy

Awesome

Having trupanion was the best thing I ever did for my dog. I got it when she was 7 wks and it has helped so much. I didn't use it much at first because they don't cover spading and vaccines so I thought about dropping it . Thank god I didn't in the past 2 months my Pitbull has torn her tplo or ACL and needed x rays meds and surgery I did the math and trupanion has paid so much of her bills. For the surgery alone it was over 3 thousand dollars which they paid all of up front and I only had to pay 300 hundred that's been the biggest bill but she also ate sugar free gum , chicken bones, so many things she is my million dollar dog and she is only 10 months .. But I have referred all my friends here it's the best thing I could do for my dog . I am a little bit of a worrier so she does go to the vet a lot but with this insurance and care credit it's ok. I can't say enough about them. O and when u call the reps are so nice and really do care
5

out of 5

POSTED: | BY: Alicia

Very Pleased

I only have positive things to say about Trupanion. They have been wonderful when we needed them most for our two puppies. No matter when or who I have spoken to, they have always been truly caring and so helpful. Their customer support personnel are incredible. Thank you - they take the stress and worries out of a emergency situations involving our puppies.
5

out of 5

POSTED: | BY: Maximillion's

Paid as Promised!

I was very wary of purchasing pet insurance but my last pup had three knee surgeries with no coverage. I bought it this time & my three year old Am Staff got IBS & pancreatitis and Trupanion sent me my big check in less than a week. Recommended!
5

out of 5

POSTED: | BY: spencer

THERE GREAT!!!

I would like to thank Trupanion for there prompt response in our claim, they were kind and understanding, and quick in sending us our claim cheque!Once again Thank you 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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