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: Bob Gordon

Satisfied Customer

Since our dog Chica became part of the family; we signed her up for Trupanion Pet Insurance Coverage 3 years ago. During the past 3 year period Trupanion has always been supportive of Chica’s veterinarian checkups, vaccinations, medications and recent Lymphoma treatments. Our experience with Trupanion has always been very professional and efficient in processing our claims. We highly recommend Trupanion.
5

out of 5

POSTED: | BY: Dr. Jane

excellent

I have been with the same insurer(though the name has changed a bit with time) since I adopted Daven from the SPCA. Inow have 3 pets insured with Trupanion and find them excellent. I would recommend them highly as does my Vet.
5

out of 5

POSTED: | BY: Donna Amjadi

You can never start too early

My puppy was not quite 4 months at the time of her accident. She had been sick the month before, and after a $2000 vet bill for two days I decided I needed to get pet insurance so this does not happen again. I had just paid my second monthly premium when Teagan broke her left femur. It needed immediate orthopedic surgery. The bill cam to over $5000. She now has to be kept calm and use her leg as little as possible for another 7 weeks. But I am grateful that that worry is not compounded with how we will pay for the cost of her bills. Trupanion was easy and fast with our reimbursement. They paid out as much money as I will pay in premiums for the next seven years.... that is amazing.
2

out of 5

POSTED: | BY: tallpkb

Beware if you have a large claim…..

I was quite happy over the years with Trupanion. Had a few small claims; nothing big. Until last month. Over the course of 2 hours, my dog became paralyzed in his back legs, due to a completely ruptured disc. Immediate spine surgery was needed, which was successful. So what do they do? Raise my monthly premiums by 37%. Shame on them. I also had to submit my claim 3 times, because "they never received it".
4

out of 5

POSTED: | BY: Melissa

Expensive But Worth it

I have 4 pets insured by Trupanion, and early on realized that I didn't want to have deductible because the bills kept coming to just below the deductible amount. So I pay extra for zero deductible and get 90% reimbursement on everything but preexisting conditions and the standard exam costs. Covers illness and accident only, no preventive or routine care. I have filed numerous claims with them and their turnaround time is very reasonable. My oldest dog has cancer and the bill is already in $5000 range and overall reimbursement has been 85-90% of costs incurred to date.
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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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