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: Joanne

Atopic Dermatitis

My 6 yrs old male golden retriever/poodle cross is insured with trupanion and has had ongoing issues with what has now been dertermined as atopic dermatitis. We have recently started on Atopica and and it is working fantasically. I am very pleased with Dr. Defalque at Canwest animal clinic and with the quick and hospitable claim process with trupanion.
5

out of 5

POSTED: | BY: Mark

very satisfied

My 6 yr old Golden Retriever was diagnosed with Osteosarcoma (maglignant bone cancer) of her hind left leg 2 months ago. If it wasn't for the support from trupanion pet insurance I would not have been able to give her the quality of care she is receiving. I will update this post as her treatment progresses.
5

out of 5

POSTED: | BY: Kara

Love trupanion

Trupanion has been a life saver for us. Our Great Dane Nala has had a lot of little things go wrong over the past year and without Trupanion those little things would really add up. We are so lucky we signed up when we did and it's piece of mind to know that Nala is taken care of.
5

out of 5

POSTED: | BY: Karen

An excellent investment

Our shelter-adopted, female, toy poodle mix may have ingested something toxic while a stray before being rescued by a kind, pet-loving person and taken to the Hendricks County Animal Control Shelter. We made several medical insurance claims after a pre-surgical blood test before she could be spayed showed elevated ALT liver enzymes, followed by a month of treatment with Denosyl,two subsequent blood tests, an ultrasound of her abdomen, then a liver biopsy taken during her spay surgery. The biopsied tissue was sent to the Animal Disease Diagnostic Laboratory at Purdue University for histopathologic examination. It was determined that there is "hydropic hepatocellular degeneration" in her liver "that may be the result of hypoxia as well as metabolic or toxic insults." To our relief, this is a mild condition that should not require any further treatment at this time. Trupanion handled all of our claims made for the above situation in a very timely manner and reimbursed us according to the promises made when we enrolled in their pet health insurance program. We have been more than pleased and feel that enrolling our "Princess" with this company has been one of the best investments we've made.
5

out of 5

POSTED: | BY: Atticus

excellent

We have a 5 year old english bulldog and anyone who has ever had a purebread bulldog knows that they can be an expensive dog to have. Recently she has been very sick. Our bills were starting to rack up. Trupanion has always had fast response to our claims and great customer service. To anyone who has ever had a sick pet, worrying about climbing vet bills can add to the stress of the whole situation. We can concentrate on helping our dog get better without worrying about the vet bills. The reduction in stress far outweighs the cost of our monthly premium. We will be using Trupanion for all of our pets in the future and you should too. 90% coverage is by far the best on the market. We enrolled her at 10 weeks old and over the past 5 years have never had a problem.
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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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