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: James

Outstanding support, exceptional people

I am excited to share that my service with Trupanion has been outstanding. My breeder who stated she interviewed a Trupanion representative at length for over an hour about all possible bulldog medical scenarios, said Trupanion covers everything with exception of exams, preventative care, experimental, behavioral or preexisting conditions. She was very impressed and so was I was with what I heard and learned upon further review. I have 8 month white bulldog puppy named Diesel, who so far has required 2 cheery eye surgeries and 1 Ectopic cilia surgery. I was concerned when the latest Etopic cilia surgery was going to be over $1,600. I called Trupanion to see if it was covered, I spoke with Cynthia who was absolutely terrific to deal with. She explained while they don’t guarantee coverage over the phone, she was familiar with the condition – knew it was a painful to the dog and stated she saw no reason why it would not be covered. It certainly was and it’s all true. • 90% coverage • One simple plan • No payout limits So far I have received close to $2,000 in financial support for Diesel through Trupanion. The smartest decision I have ever made regarding my bulldog was to sign up with Trupanion as soon as I got Diesel.
5

out of 5

POSTED: | BY: Murray

This Insurance company deserves a gold star!

One of the best experiences I've had with any insurance company!
5

out of 5

POSTED: | BY: Jennifer

Happy with Trupanion

I was very happy with Trupanion. A mistake was made on my claim and they took full responsibility and paid the claim. Staff was friendly and professional. I will continue to have insurance through them.
5

out of 5

POSTED: | BY: Mikki

A life saver!

Our cat Miles has had several health issues over the past couple of years and Trupanion has really been a lifesaver. Whether it was his corneal ulcer or a tooth removal, Trupanion swiftly covered the expense -- so worth the monthly fee! Besides the excellent policy, my husband and I have been so impressed with the customer service. The Live Chat feature on their website is super easy to use and I always get my answers fast. Awesome pet insurance company, we highly recommend it.
5

out of 5

POSTED: | BY: Katy

They Sid exactly what they said they would!

We purchased insurense for out new puppy with the hip dysplasia coverage. (we have had 2 previous pets with it) Sure enough when I thought it was some sort of injury our mixed breed puppy had it also. The doctor did a PTO hip surgery on him and thank goodness Trupanion cavered it. A Godsend!
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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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