Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,139

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: Traci

Outstanding!

I decided to invest in pet insurance with my new pup after spending a lot of money on my pets in their elder years. I did it solely as a preventative measure for the future, not anticipating I would need to call on it when Dakota was only 1.5 years old. Dakota tore both her ACLs and needed TPLO (knee surgery) for both. The operation for each knee was to be over $3500. My first thought was honestly, "ok, good, I have insurance for her, but I am sure I am going to get screwed somehow with trying to claim both surgeries." The thought based on how difficult it has been with Human insurance, why would pet be any different? Trupanion blew my perception out of the water. Not only did they cover 90% of both surgeries, they made it incredibly easy to make the claim and I received consistent communication from them via email as to where my claim was in the process. And all wrapped up within 2 weeks (including check in hand). Plus, any time I did talk to a representative, they were beyond friendly and helpful. I have been recommending them to friends ever since (plus my vet)... She's a new dog to come (still healing) and set to be healthier than before the surgery. And I am not paying off my credit cards for the next couple years!
5

out of 5

POSTED: | BY: HELEN

great fast service - very satisfied

MY BASSET HOUND IS INSURED WITH TRUPANIONAND WHEN I HAD A CLAIM THEY HAD IT PROCESSED WITHIN 3 DAYS. GREAT SERVICE DEFINITLY WORTH THE $$
5

out of 5

POSTED: | BY: Dodie

Can't imagine being without it!

Jada was flown to Indy from Portland Oregon. She weighed 14lbs, was given a guaranteed bill of health along with a 30 day trial enrollment to Trupanion Insurance. To ensure she arrived in good health from her travels, she was examined by our local veterinarian. She passed her wellness exam in flying colors. With the 30 trial enrollment coming to an end, I needed to make a decision whether to enroll or let the insurance lapse. I had pets all my life and could never justify the need for insurance. Besides Jada was a healthy dog with showmanship breeding. After much struggle, I decided to give the insurance a trial run. Little did I know that in a matter of a week after enrolling Jada in the Trupanion Insurance program that I would be needing it. One Sunday evening, Jada experienced some major nasal respiratory issues and struggled to breathe. This led to a late night emergency veterinary visit which resulted in some major unexpected expenses. A claim was filed with Trupanion and true to their advertisement, a reimbursement was issued. Another incident occurred, when Jada was recently scheduled to be spayed. She had an extreme allergic reaction to the “twilight” drug used to relax animals prior to surgery. This resulted in elevated heart rate and required an animal cardiologist and continual monitoring. Once again a claim was filed with Trupanion and a reimbursement was issued. The good news to this story is that Jada is doing fine now. She weighs in at 49lbs.
1

out of 5

POSTED: | BY: S

MAKE SURE YOU SHOP AROUND

I have had Trupanion for over 15 months now- and only one claim for one dog- when my pup jumped off the back of the truck before we got the ramp down and he injured his back leg. This was a claim of under $280 and we have not been to the vet since. I was notified that the $90.00 a month I was paying in premiums for my two dogs was now going up to $180.00 a month for the premium. Are you serious? Double the premium- I am a great customer, do not over use my insurance- take excellent care of my dogs with supplements, holistic food- all in the hopes in avoiding a vet visit for an illness/disease. Trupanion has left a terrible taste in my mouth, and myself and several others that I work with are dropping Trupanion and going to another reputible pet insurance carrier- whom has coverage in all 50 states! Very disappointed to say the lease!
5

out of 5

POSTED: | BY: Krisite

Great, fast service

This is the first time we've had pet insurance and so far it paid off and been a good experience. They are quick to respond to claims without a lot of red tape to dig through!
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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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