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: Toby

Compassionate Team of People

Keeva, our 4 year old Olde Victorian Bulldogge tore her cruciate a couple of years ago .. she needed a patella repair as well and her insurance covered 80 per cent ... because she is not dog friendly I used to take her out late night to potty .. two nights after she had the surgery she tried to bolt after a neighbor's dog that was passing by .. trying to restrain her with her harness, she hit her knee on the pavement .. blood shot out and at midnight I was in the emergency clinic with her .. fortunately the stitches didn't rupture but they had to sedate her to clean the area and rebandage it ... Trupanion covered the cost .. .. this past January Keeva tore her second cruciate and her other knee needed repair and the surgery was 80 % covered including the fancy haircut ... all the representatives I have spoken with have been very kind and caring ... when my daughter got her first puppy, a Chihuahua last month we insured her with Trupanion with no hesitation .. I love that they have 24 hour phone service, there is always a friendly helpful voice on the other end. Thank you Trupanion for your excellent service and genuine compassion for Keeva ..
5

out of 5

POSTED: | BY: Xiomara

Best Investment Ever

I have always been a dog owner and never invested in dog insurance until my last doggie pasted away, the medical bills were outrageous but we did everything we could to help him out. The vet asked us if we had pet insurance and we said no, he strongly recommended it if we had any other pet. I rescued two jack russell's and immediately enrolled them in this pet Insurance. I was a skeptic but I was really impressed when I had to take them in to the vet and they paid my claim in no time. The only draw back, is that you must have the doctor fill out the claim when you first take them in to expedite the claim. This I learned after the first claim and it really has paid off and I have recommended it to all my Pet Loving friends. Trupanion is well worth it.
5

out of 5

POSTED: | BY: Nancy

Very interesting concept, but would like to compar

Very good follow-up & prompt response. Would like to compare pricing & coverage to other companies.We only had a 1 month trial,so I'm not sure our rating for Trupanion can be fair or unfair.
5

out of 5

POSTED: | BY: John

Outstanding Service

All our claims for illness for our weimaraner Shelby have been completed quickly and professionally. I am completely satisfied with all aspects of my pets insurance coverage.. Trupanions representatives have been courteous and always helpful, answering and responding to all our queries with 100% satisfaction.
5

out of 5

POSTED: | BY: Allen

As Promised - very good

They were quick and covereage and claims paid were fair and as represented in their literature and contract. Outstanding
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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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