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: Amanda

Perfect Experience

Our sweet 7 month old baby english bulldog had to have cryotherapy on all 4 eyelids for distichia at UC Davis. Overall we submitted a claim for $1500....$1000 of which was paid. They covered everything they said they would!!!! We are delighted with the speed that our claim was handled (faxed on a Thursday and I got an email on Saturday saying a check was in the mail). With a breed with soooooo many issues I rest easy knowing we chose a company that is true to it's word and allows us to give our Ruby the best care possible.
5

out of 5

POSTED: | BY: Lindsay

Incredibly fast and very friendly service

I have my two year old mixed breed dog insured with Trupanion and I am so happy we made the decision to go with them. Our dog Stella has food and environmental allergies as well as a habit of eating things she shouldn't- our claims have always been handling surprisingly fast and the contact we've had with their representatives very impressive. I work in a Veterinary Clinic and feel good about recommending Trupanion to our clients- we always get great feedback!
5

out of 5

POSTED: | BY: Kim

My Saving Grace

Thank you Trupanion! You were there every step of the way. It really was true. You paid 90% of the bill! %3,000.00@90%=$2700.00 paid by Trupanion. If not for Trupanion I would not have been able to provide much needed care for my precious little guy. This positive experience has taught me that from now on I will never be without the protection Trupanion provides. You made my first ever pet insurance experience 100% positive and I will never be without you! THANK YOU!!!! Kelpie & Kim
5

out of 5

POSTED: | BY: wendy

surgery(remove stones

Maddie had to have surgery to remove a stone. Trupanion, was qucik to process the claim and I have to say they were great i would recommend them to everyone who is a pet owner. Thank you so much Maddie is doiung great.
5

out of 5

POSTED: | BY: Sarah

Entirely Pleased with Trupanion!

I adopted a Maltese/Havanese puppy from a rescue group last April. I took him to the vet for an initial visit and was offered a free trial of Trupanion coverage which I accepted. When the trial period was up, I continued the coverage since I wanted to be sure that I could afford whatever care my new companion might need. I am so glad that I did! He has had five claims in a year's time, and every one of them was handled beautifully by Trupanion. For this year, the refunds we have gotten on our claims have significantly exceeded the premiums that I have paid. Mostly recently, my dog had one trip to the emergency vet and two additional hospitalizations at our regular vet for constipation and complications of this (colitis)--he was miserably sick. I had essentially three claims related to the same problem. The bills were just over $500. The very next week after I filed the paperwork, I received checks totaling nearly $360. This really helps! I am so glad that I decided to keep the coverage for my dog. I don't ever want to be in the position of not being able to afford the care he needs, and having his Trupanion policy gives me peace of mind that I can provide whatever medical care my little buddy needs.
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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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