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: Joanne

Trupanion Gives Excellent Coverage

After our 11 year old GSD mix dog Lyla broke her leg in 2010 and spending over $6000 I finally got wise and bought pet insurance for all my animals!I used this site among others to research the best company. Well I can say I definitely made the right choice with Trupanion!! Earlier this year my girl had a tooth extracted and had a reimbursement of about $700. But the really big one was a diagnosis of osteosarcoma (ugh!) last month. Another $6000 but this time Trupanion was there to help with almost $5000 in reimbursement ($500 deductible plus a number of specialist visits not covered) She will have ongoing treatment for this and so having the support for the vet bills is incredible. We also got reimbursed within a week! No payout limit for either each incident or for lifetime. Pays 90% of actual expenses not their own table of fees. Friendly people too :) Highly recommend Trupanion!
5

out of 5

POSTED: | BY: Susan

Trupanion has been a lifesaver!

I have had Trupanion pet insurance for both my dog and cat since March and I love it! Their customer service is excellent and (outside of the very first claim which takes a bit longer to process) the turnaround on receiving reimbursement checks is excellent. They let you choose your deductible (I chose none) and they pay 90% of everything beyond the office visit cost. (Which I found was financially actually a better deal than competitors.) I am very satisfied with their service. They even think of the little details like a collar tag and insurance cards.
5

out of 5

POSTED: | BY: Susan

Everyone's health insurance should be so good

I adopted a kitten, Mo, last November. My vet suggested I get pet insurance from Trupanion. I remember my dad telling me when I first bought my own health insurance-- never skimp on insurance. Well I am so happy I bought Trupanion. This month (June), my cute kitten decided to eat a shoelace. It took several visits to the PetER over the course of 2 days to diagnose why he was vomitting and lethargic. X-rays, blood tests, ultrasound and then surgery. The shoelace was stuck in his intestines and stomach. I remember when the surgeon told me how much the surgery could be, I responded, "I have a credit card and pet insurance, so do whatever you have to do". He told me some people have to put their pet down if they can't afford surgery. I cried. Trupanion did as advertised. I got a response to my claims in record time. They kept me informed of the status of the claims. And, when I brought a possible error or oversight to their attention, it was quickly rectify, with an apology. Trupanion pays 90% after deductible and exam fees, but given the cost of all the tests and surgery, my Dad and the vet were right. Buy insurance. I was out of pocket only about $600 when the bills were about $3600 I am extremely pleased with Trupanion. Mo has fully recovered and hopefully has learned not to eat shoelaces.
5

out of 5

POSTED: | BY: Andrea

Great Experience

I've now processed 2 claims for one of my cats...this whole experience has been so easy & so pleasant. I've been pleasantly suprised with the entire claim process. :)
5

out of 5

POSTED: | BY: Jeff

Very pleased

We switched to Trupanion from one of their competitors and are *really* glad that we did. Their service is outstanding. Payments are made very quickly.One of the nicest things about this company is that they genuinely care about you and your pet(s). I have recommended them to many people.
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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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