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: Barbara St.

Excellent and hassle free

I would rate it 10 if there were exam, office call, well care, etc coverage if you choose it. I couldn't be more pleased with Trupanion, they are all they say they are. They covered 90% of a large claim for our dear dog's Cruciated Ligament surgery, quickly and efficently. The deductible per incident is another great service. Whenever I have called, the service is amazing.
5

out of 5

POSTED: | BY: Cathy R

Outstanding Coveraqge

We've had Trupanion since our dog was 12 weeks old. He is now 2 and I highly recommend this insurance! We've had a couple of claims and Trupanion came through with no issues. They are very responsive and care about your pet as much as you do! But the best part about Trupanion is peace of mind. No one wants their pet to become ill but having Trupanion, I know my pet will be cared for without having to worry about a high bill.
5

out of 5

POSTED: | BY: Karolina

Wonderful Service

I am not only a pet owner, but also represent the veterinary industry. I manage a veterinary office in Ontario, Canada. Through my own experience, and the experience of our clients, I can say I have always been incredibly satisfied with Trupanion. Both my cat and dog have Trupanion insurance, and I have always had excellent claims experiences with them. I recommend Trupanion to all our clients!
5

out of 5

POSTED: | BY: Trina Adams

amazing

Our dog Harley was attacked by another dog. He got a very long ear laceration. His ear lobe was literally ripped in half. From start to finish our claim was handled very professionally. Our vet clinic direct billed right to Trupanion......I know dentist offices that won't even direct bill.....i was very impressed. I have since advised every dog/cat owner to contact Trupanion!!
5

out of 5

POSTED: | BY: Bob Casale

Great

My dog, a crested-poo tour her ACL. Trupanion was there with me every step of the way. I submitted the bills and was payed in a timely manner. They care about your pet and I really like that.
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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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