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: Carol Renzullo

Excellent Pet Insurance

Excellent insurance. We were recommended by a friend to join Trupanion and are so glad we did. Recently our dog needed to have surgery on an ACL injury and the claims were paid soon after. They kept in contact by e-mail with every update on our claim. Previous to this we had another issue with her health and this was also paid. We are very pleased with Trupanion and have recommended it to other fiends and family. Thank you for such good care
4

out of 5

POSTED: | BY: Melissa

Trupanion is worth the investment!

Trupanion is great to have just in case my dogs have medical expenses that I cannot cover. It's affordable pet insurance that offers owners peace of mind in knowing that my animals are being cares for.
5

out of 5

POSTED: | BY: Tiina

very good service

Claim was resolved to my satisfaction
5

out of 5

POSTED: | BY: Kathrin

Caring and Fast payer

I joined Trupanion earlier this year, soon after I rescued 2 kittens from a shelter. So far my experience with them has been very positive. One of my kittens suffers from frequent vomiting, we still have not found the cause. Trupanion has paid up quickly and efficiently each time I made a claim and enabled me to conduct an expensive ultrasound. I also like that advisors on the phone are well trained, always friendly and (at least appear) genuinely concerned about my pet. The only downside I can list so far is that payment requests have to be filled out by fax or mail. An email system would be much more efficient.
5

out of 5

POSTED: | BY: Kelly

Excellent Pet Insurance Provider!

Trupanion has been great! They are very straight forward & quick with claims. Customer service is excellent! I tried VPI before this for about 6 months & had a very difficult time with claims & sorting through all the fine print of what is not covered, etc. Claims took a long time & the process just wasn't very clear. Trupanion has been the complete opposite! And they have flexible monthly options by adjusting deductible amounts, so you can find something that fits your budget. I don't find the need to get the maintenance packages (shots, regular dental) since my vet already has package deals for those. But for the unforeseen accidents & major illnesses, this has been so worth it for me & my 3 dogs... definitely an added peace of mind!

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 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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