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: Linda

Exceptional Company

I cannot not say enough good things about Trupanion Pet Insurance. I insured my Doberman at 10 years of age. Approximately 6-7 months after policy inception she collapsed in my living room with a heart problem. Shortly after she developed problems with a mass on her leg that was inoperable due to her heart issues. This company paid approximately 18,000.00 to 20,000.00 dollars over the course of time that she was insured. I had a 250.00 deductible and they paid 90% of everything except office visits. This company is phenomenal. My girl enjoyed a great quality of life up until the end. I could not have afforded to take care of her with all of her issues without Trupanion. They are the best!
5

out of 5

POSTED: | BY: CJ

Prompt

My first experience with Trupanion was a positive one. My Vet signed me up for first 30 day free trial and unfortunately I had to take advantage of it. As soon as I vet submitted a claim I received an email that it was under review. I would guess it was within 24 hours of submittion. My reimbursement check came shortly thereafter.
5

out of 5

POSTED: | BY: Steve

TTHANK YOU THANK YOU THANK YOU

Tessa, out female shepherd collie crossshowed sudden symptoms such as walking into furniture, walls and doors and had very poor balance. She was not her usual self. We first had her assessed by our local veterinarian who said that she was blind in her left eye and half blind in her right eye. She was then assessed by a veterinary eye specialist who determined that her eyes were functioning but that she may have a brain tumor. She was then referred to a neurologist for further investigation. She required extensive medical intervention at great cost. After extensive medical tests it was determined that she had meningitis-encephalitis. She was treated and appears to be on the road to recovery but will require further intervention to maintain her health and well being. We submitted our claims to Trupanion and we were surprised at how quickly they responded to our clain in such a professional manner. There was no delay and no fuss. We will recommend Trupanion to all our friends who have pets. Thanks again Trupanion. You have saved us a lot of worry and stress.
5

out of 5

POSTED: | BY: Stephanie

Great!

I just submitted my first claim for my puppy and found that Trupanion not only processed my claim VERY quickly; they did so with true concern and excellent communication. I could not be happier!
5

out of 5

POSTED: | BY: Bernadette

Very satisfied

Very satisfied. Kept informed in a timely wayabout claim with phone calls and e-mails. The whole experience could not be better. 3 of my friends have chosen Trupanion after my recommendations
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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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