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: Sherry

Best pet insurance in the world!!!!

Trupanion pet insurance has made my life so much easier. When I fould out my Sadie was sick my first thought was how can I afford to help her. Luckly I purchase Trupanion for her and I have not had to worry about how to pay even once. From day one Trupanion has helped me though the process without any problems, and with the kindest employess I have ever delt with. Thanks Trupaion with making my life that much easier.
5

out of 5

POSTED: | BY: Callie

On-Line Review Summary

I have had nothing but help from Trupanion. I will continue to use Trupanion in the future with all pets I have. They have always helped me when I needed them. I have submitted more than 10 claims and have always had excellent service from Trupanion. Thank you.
5

out of 5

POSTED: | BY: Ray

Trupanion really came through

The peace of mind knowing that my dogs are insured is priceless. I had to use Trupanion when my puppy swallowed a foreign object and it became lodged in her small intestine. They covered 90% of a $1800 bill. Thank you for being there for us.
5

out of 5

POSTED: | BY: Ardi

As promised...

Hello, I wanted to write about my experince with Trupanion for my GSD Charlie. Charlie had a bad laceration on his paw in November that called for an emergency care. As soon as i filed the claims, trupanion kept me in touch and well informed about the procedure. Trupanion did 100% what they promissed! They did cover 90% of the expenses! Not only that, but they answered all my questions patiently, they chatted on-line - which is a real time saver, all - I mean all - employees i was in touch with had nothing but kind words to say about my pet while explaining what was going on with the claim. I can't thank these guys enough! I really can't! Troupanion sent the check immediately following their e-mail with a clear explainiation of what was covered! A huge help! I have nothing but the best words for these guys! Ardi
5

out of 5

POSTED: | BY: Maggie

Wonderful Experience with Trupanion

Communication is excellent. Compassionate. Quick service. Easy to contact.
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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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