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.
1

out of 5

POSTED: | BY: Heidi

BEWARE - Pre-Existing Conditions

Beware. Our dog has food allergies, which I could easily have avoided finding out about OR paying extra money to test. Anything wrong with my dog is now denied because of his "pre-existing" allergy condition. I could have chosen to be like 90% of pet owners and just ignored it, but I want my pup as healthy as possible. Therefore, I spent lots of money to get to the bottom of it and now I am penalized by Trupanion for every claim going forward. I pay over $300 a month on special grain free kibble from New Zealand. I am betting if he has an accident they will say that it because of his food allergies. Bottom line, they are going to try and do everything possible to get out of paying your claim.
5

out of 5

POSTED: | BY: Justin

Extremely Reliable

Trupanion is an extremely reliable and pleasant pet insurance company. I started a policy for my dog on a "just in case" basis. I was thinking of insurance for a broken bone or something accidental. It turned out that my dog developed a lifelong pancreatic condition that needed a medication for the rest of his life. I was worried that the insurance might not cover that but was grateful to find out that Trupanion would cover the medication for the rest of his life. I have great appreciation for Trupanion. I'm not sure if I would have been able to afford the medication on my own.
5

out of 5

POSTED: | BY: Anna Goad

Thank you, Trupanion!

Being a Purdue veterinary student and working as a receptionist at Paw Prints Animal Hospital has allowed me to see just how expensive pet emergencies/illnesses can be and how quickly they can occur. When I brought home my Dalmatian puppy (Ledger) almost two years ago, one of the first things I did was sign him up for Trupanion pet insurance. Thankfully, I made the right decision! Dalmatians produce high levels of uric acid and can be prone to bladder stones, so I knew turning to Trupanion was the right thing to do! He was indeed diagnosed with bladder stones this July and will now need an ultrasound of his bladder every 3 months to watch for future stone formation. If it weren't for Trupanion, I would have paid over $650 just to have the stones diagnosed and removed, and the future charges would have been waiting to add to the total cost. Thanks to Trupanion's fast claims service, 90% coverage, and rapid turnaround, I've already been reimbursed about $500 dollars! Ledger also has to eat a special diet (Hill’s U/D) to help prevent future stone formation, and Trupanion even covers approximately half of the food cost! I was able to set my own deductible, and the claims process is easy and fast! I highly recommend Trupanion to ANY pet owner. It not only has amazing benefits for puppies and kittens, but also older dogs and cats too! As a future veterinarian, I will recommend Trupanion to all of my clients! It's a wonderful feeling to know I can take care of my baby boy without wo
5

out of 5

POSTED: | BY: Kona

Mast Cell Cancer

My 5 year-old lab mix dog was diagnosed with mast cell cancer. She required two surgeries to remove and exam the cancer lesions. She has recovered and is doing well now thanks to the rapid and quality pet care. I am 100% satisfied with Trupanion and the quality customer service I received from them. They answered my initial questions on the telephone and promptly processed my claims within days. I would highly recommend this service to other pet owners.
5

out of 5

POSTED: | BY: Jill

Trupanion Reimbursement

Trupanion was very helpful when my 1yr old black lab developed a skin condition and possible heart condition. They were friendly and quick to reimburse the full amount based on my policy.
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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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