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: Judy

Trupanion was very helpful

My dog Flynn decided to eat rocks but fortunately was able to pass them without surgery. Although it was a very stressful time for me I was comforted by the execellent care my Vet gave him (and me) and Trupanion stepped right up to handle my insurance claim. I would reccomend Trupanion to anyone who has a pet.
5

out of 5

POSTED: | BY: HT

Trupanion is a great pet insurance company

My dog ruptured her CCL while running and she needed expensive surgery to repair the injury. Trupanion promptly paid 90% of the claim as per the policy with no problems. Quick and easy payment of claims and responsive customer service has been my experience with Trupanion since I purchased the insurance over 2 years ago. I highly recommend this company.
5

out of 5

POSTED: | BY: Karen

Very good customer service/fast response

I have been with Trupanion for a short period of time and have experienced great service with friendly and helpful staff. Also the turn around with paying claims is timely!! I was told from several people how great they were and they were right!!
5

out of 5

POSTED: | BY: Rebecca

Tell everyone about wonderful Trupanion is!

My yorkshire terrier had a disease of her left hip that forced her to have her hip removed. I was devastated and couldn't believe that my 10 month old dog would need major surgery. Trupanion was amazing because they paid for 90% of her surgery! Before I knew about her condition I decided to buy insurance for her when she was 6 months old and it has been worth every penny! If you love your pet you need to buy Trupanion insurance for peace of mind. They have been MORE than accommodating and I have been recommending them to every pet owner I know.
5

out of 5

POSTED: | BY: Matthew

Overall Good Experience

Our small two year old Dachshund/Terrier mix rescue swallowed loads of inedibles and required stomach surgery to have everything removed. After a reasonable review period (and a number of lost faxes, echoing the above review) Trupanion paid 90% of a very expensive trip (three days and two nights) to the veterinary hospital. We were very grateful for the coverage.

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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