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: Riley

A-1 Service from Trupanion

I would recommend Trupanion to anyone who asked me. My German Shepherd, Riley, has had several serious health issues in her life. She is only 18 months old but her vet bills have totaled in excess of $12,000.00. She had her first health issue when she was approximately 8 months old which was prior to us purchasing her pet insurance thru Trupanion. The total bill on this was in excess of $4,000.00 which came out of my pocket. We purchased health insurance for her just prior to her turning one year old. Since then, she has had two rather serious illnesses which totaled in excess of $9,000.00. I don't know how we would have been able to afford her care if it were not for Trupanion. They have truly been a life-saver.
5

out of 5

POSTED: | BY: Krista

Quick Claim Processing! No Complaints!

I've had Trupanion insurance on my two German Shorthaired Pointers since October, 2010. Before that we had PetFirst Insurance. I switched to Trupanion after I found out that with PetFirst illnesses/injuries filed in one policy year became pre-existing conditions (and thus were not covered) in subsequent policy years. I thought this was crazy! If my dog developed a chronic condition, under PetFirst Insurance, I would only get paid for claims filed in the first year of his illness. Therefore, I did a lot of research and switched to a Trupanion policy with no deductible. In July, 2011, Max developed a skin infection. We went to our regular vet several times and most recently to the dermatologist. All our claims were processed within 2 weeks (several within 1 week). Our most recent claim was for over $400 and Trupanion approved it without issue. When looking into insurance companies, do your homework. Trupanion does not cover routine care and vet office visit fees. However, these are small costs I can easily fit into my budget. Trupanion does cover diagnostics, medicines, surgeries, etc. These are the expensive things you buy insurance for. Therefore, I would recommend Trupanion for 3 main reasons. First, their policy is the best out there in terms of coverage. You get unlimited event/lifetime limits and coverage for most conditions. Additionally, you get coverage for chronic conditions (as long as the condition starts after you have the insurance). Second, the
5

out of 5

POSTED: | BY: Eric

Trupanion Delivers What they Promose!

My lab, now at 7 started terrible itching and I could see he was destroying his skin. We took him to the vet, as I couldn't stand watching him so uncomfortable. The vet feels he has developed allergies, and suggested an allergy test. Didn't think twice about saying ' do whatever you need to do'. It was a $690 bill for testing and meds. We are still waiting for the results but within 2 days, I received an email, and 4 days later, received my check. I know Whatever it is, I don't have to worry about cost!
5

out of 5

POSTED: | BY: David

Bella needed surgery to repair one leg

The bones in one of Bella's legs did not line up properly after she injured herself. The surgeon had to brake the leg in one place, cut a wedge out of the bone and then reset the leg with the bones properly aligned
5

out of 5

POSTED: | BY: Mattie

Quick, easy, puts our mind at ease

We had an emergency with our 3 yr old Pomeranian one night, she had something stuck in her esophagus & was clearly choking / could not breath. It was a moment of sheer terror as she began throwing up white foam non-stop & could not control her bowels. Her gums had turned a purple color & her eyes were bloodshot & bulging out of her head. Panicking, we brought her in to the Animal Emergency Hospital & luckily they were able to do a scope procedure immediately which saved her & also, luckily did not further damage her esophagus, which would have required invasive surgery to fix. There was no price we wouldn't have paid to save our little one's life, but remembering that we had pet insurance really helped put our mind at ease & focus on what was most important, helping our pommie recover. Trupanion was very hassle-free, quick & easy. The hospital helped us submit the claim & almost immediately, Trupanion had our checks in the mail. The turn-around time was impressive & they followed up with many emails regarding the claim & to check up on our pommie. No one thinks about pet insurance, but it was definitely worth it to invest in it as it gave us one less thing to worry about in an already stressful moment while we waited for the status of our dog after the procedure. I would definitely recommend Trupanion & am so glad our Vet suggested pet insurance to us when we first brought our puppy home.
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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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