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: Jayla

Trupanion

Trupanion is a really great company they have always helped me out with my baby midnight whenever I've needed them and Oh I've needed them. Midnight has been with this company since he was nine week and he's now three. I would recommend Trupaion to any pet owner because they're great.
5

out of 5

POSTED: | BY: Heather Fiodorowicz

Trupanion cares about your pet and cares about you

One of my two sibling cats wasn't behaving his usual "cuddle bug" self. Felix had vomited a couple times before I went to bed, I thought it was just a fur ball thing. When I awoke the next morning, I found that he had been vomiting throughout the night. Felix didn't eat, drink, go to the washroom or play with his brother at all that day. He would sleep and when I would pick him up, he would jump down and go hide. I felt like I was watching my cat die right before my eyes. It was Saturday afternoon and my regular vet was closed for the day, so I brought him to a 24 hour veterinary clinic where they kept him to run some tests. It was determined that Felix had a blockage (foreign body) in his intestines. In the process of preparing him to operate, he vomited up the tube that they had inserted and in doing so, he went into respiratory failure. As such, they could not continue with the operation. It was suggested that I take Felix to a facility that had a critical care unit and specialists that would watch over him. I transported Felix to another facility where they kept him for 6 days. During that time, Felix had a series of blood tests, x-rays, ultrasound and a successful operation to remove a fur ball from his intestines. The two facilities that I dealt with were great and submitted the claims to Trupanion upon my leaving. Trupanion had received my claim and sent me an e-mail within a couple of days to let me know and thanked me for taking such good care of Felix.
5

out of 5

POSTED: | BY: Wendy Gillespie

on-line

My dog was playing happily with 3 other dogs in a field and injured her tummy by an object left there carelessly by someone. I have insurance for myself and it is very important to give my dog Lucy the same. Because I love her so much, more then anyone, I would hate to be put in the situation should she need care I would not be able to provide for her. The altenative is to painful to even think about. I am so grateful to have medical insurance for her. Trupanion is wonderful, caring, and prompt. They care so much about our pet family. Dealing with Trupanion has been a pleasure. Everyone I have delt with over the last 3 years has been nothing but amazing. Thank you Trupanion. I would do without happily to give my Lucy mecical insurance. To know I have medical care if needed gives me peace of mind, love,respect and caring for her.
5

out of 5

POSTED: | BY: Victoria Luxton

Excellent Customer Service

We were very satisfied with the way our claim was handled by Trupanion.
5

out of 5

POSTED: | BY: Bruce Grainger

Excellent Service

Rex went in for surgery and Trupanion was there from start to finish . they were friends when we neede them
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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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