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: Michelle

Trupanion saved my dogs life!

I couldn't sleep one night and decided to research on Pet Insurance co. Because I already worked for a vet, I knew of a couple of companies I DEFINITELY didn't want. I decided on Trupanion. About 3 days outside of our waiting period our Lab, Lexi, blew her right knee. Vet said she needed a TPLO and the cost was about $2,700. We contacted Trupanion and we decided to submit a pre-approval. Much to our relief it was approved and covered!! One year later, she had blown her other knee and needed surgery for it. Again, Trupanion pre-approved it. We went in on a Friday morning and before I even got home from dropping her off, my vet called to say her bloodwork came back abnormal, in fact, she seemed to be in liver failure! (Which surprised all of us as she is completely asymptomatic!) My vet consulted with a specialist and it was decided on Monday afternoon that she would need a liver biopsy and ultrasound immediatley. The following morning, Lexi and I hauled ourselves out to San Diego from Vegas and met with the specialist. After meeting with the specialist and being presented with an estimate of $4,000 I immediately called Trupanion and asked if there was anyway we could do a pre-approval in about 2 hours. My representatives were Anna and Gina, not only did they keep me up to date as it was being handled, but they truely seemed concerned about her health. So between the Specialty Hospital and Trupanion I had my pre-approval!!! I picked her up the next day, paying with Ca
5

out of 5

POSTED: | BY: Stephanie

A customer for life!! Thank you Trupanion!!

I like many others wasn't sure if I wanted to purchase pet insurance. I kept asking myself if it was a good investment or should I just start putting away $50 month for the "just in case fund". Lexi was 12 weeks old when she had her first seizure. At 14 weeks she had an MRI to determine what caused the seizure. I'll never forget the call from the vet informing me that Lexi had a severe case of Hydrocephelus and asked that I come in to discuss treatment. The odds of Lexi making her first birthday were slim to none but because of the exceptional care and insurance coverage from Trupanion we have been able to find the right mix of medication while giving Lexi the quality of life she deserves. We celebrated Lexi's first birthday in August! Over the past year Trupanion has never questioned a claim and has responded promptly on each claim submitted. Did I mention that Lexi's medical care has cost over $8,000 in the past year?So if any of you are asking yourself if pet insurance is worth the investment just remember my story. I brought home a healthy 8 week old puppy who passed her first vet check. The $50/month I pay to Trupanion has paid off in so more ways than I could have imagined. Thank you Trupanion, thank you for allowing me to take care of Lexi when she needed me while knowing you were taking care of everything else! I also think it's important to share with everyone that when Lexi's insurance plan was up for renewal this month her premiums only went up by less
5

out of 5

POSTED: | BY: Veronica

My cat loves Trupanion!

My husband and I adopted Bruno, a cat, last summer. We took him for his vaccines, and the vet told us about Trupanion and it first month free policy. It looked like a good deal, so we took it. The following month we took Bruno for completing his vaccines and he was diagnosed with a heart murmor. Trupanion covered ALL the expenses related to this problem and the check was mailed within days. One year later Bruno had another accident: he got inside the dryer without us realizing. He slightly fractured his pelvis, requiring Xrays and medication. Again, Trupanion covered all the expenses related to this accident immediately. I am extremely satisfied with Trupanion's service.
5

out of 5

POSTED: | BY: Natalie

Trupanion is a must have!

We rescued Lola from a family that could no longer take care of her when she was 12 weeks old. She was a very sweet puppy, but didn’t have a very spirited personality. We figured that it was due to her breed, and didn’t think too much of it. As she grew we started to notice the tell-tale “bunny hop” that often points to a hip injury and brought her in for some x-rays. The films revealed that she suffered from hip displaysia so sever e that both of her femoral heads were completely out of socket and were essentially being held into place by muscle and skin. The next step was to visit our local veterinary orthopedic surgeon, and they told us that surgery should be scheduled ASAP. They also told us that the total cost for both hips to be replaced would be roughly $10,000. My husband and I love our animals very much, but if not for Trupanion we would not have been able to afford the surgery. Lola had her first hip replaced in February of 2011, and her second one replaced in May. We started to notice the change in her personality immediately! She was starting to act like a puppy for the first time. We soon realized that Lola was not an especially mellow dog as we had previously assumed. She was simply in constant pain due to her hips, and as soon as that pain went away she was able to act like herself. We are so thankful for Trupanion for having such great rates, great service, and for giving Lola the chance to be a puppy.
5

out of 5

POSTED: | BY: Rebecca

Extremely pleased

I have a two year old Norwich Terrier and although I've had other dogs, this is the first time I've had pet insurance. I did a lot of research on this site and other places and decided that Trupanion seemed to be the best option for me and my dog. I joined the plan when my dog was about six months old. We have just had our first major health issue and my first claim with Trupanion. My dog had a Sunday visit to an emergency clinic followed by treatment at my regular vet, including surgery for bladder stones. Filing the claim was easy and my vet had experience with Trupanion and assured me that their clients had had good response from the company. I received prompt, clear and frequent communication by email from Trupanion and after my claim was reviewed was told that everything would be covered according to my plan and that I'd receive a check shortly -- which I did within several days. Trupanion paid 90% of all of the charges at both the emergency clinic and my vet, aside from the basic exam fees and my $100 deductible. It was exactly as promised, with no hassles and terrific customer service. I could not be more pleased and impressed with Trupanion. I am a believer in pet insurance and encourage everyone to carefully consider getting coverage. it is not meant for the usual small things that come up -- the $100 to $300 typical wellness or minor illness visits. But when you are faced with $2,500 or more for surgery, tests and so forth, it is very comforting
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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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