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.
4

out of 5

POSTED: | BY: Kris

Well worth it!

After my pupy's first surgery to remove a corn cob from his intestine and the $3,000 bill that came with it I decided I needed pet insurance. My cousin is a vet tech and reccomended trupanion as one of the insurances that pay out the most. In the first 2 months of having the insurance it has payed for itself. Within that time I had to bring my puppy back to the vet for two different illness related reasons, both accumulating to over $1,500, and with 90% coverage and a zero deductable on my plan the visits were more affordable than had I not had the insurance. After Filling my claim I recieved my reinburstment checks within 2 and half weeks. Overall I would say I am very satisfied with Trupanion. The only draw back that I see to this pet insurance company is they do not cover the fee of the vet seeing the dog. Which in my opinon should be covered if it is part of the illness or injury and can be costly on its own.
5

out of 5

POSTED: | BY: Frank

Very satisfied

Our 3lb Yorkie got sick earlier this month and had to be hospitalized for a few days. Thankfully she made a full recovery. I submitted a copy of the vet's bill to Trupanion and they processed the claim quickly and easily. I can't say enough good things about my experience with this company so far. All of the customer service representatives and claims adjusters I've worked with have been very helpful and easy to work with.
5

out of 5

POSTED: | BY: Deb

Covered as Promised

I am very happy with Trupanion. My bulldog had several respiratory and skin problems--all were covered. She also had surgery to remove a cyst on her lip, also covered. They've gotten much faster at processing claims lately too.
5

out of 5

POSTED: | BY: Heather

Excellent Reimbursement

Mercesdes, our 10 week old great pyrenee puppy, recently got ahold of a fallen glass Christmas tree bulb and upon breaking it in her mouth swallowed the majority of the ornament. We'd gotten Trupanion for added protection, we thought we wouldn't need. All dogs can have unexpected health problems that cost a great deal of emergency vet. care, and Mercedes needed this immediately. The specialists had to do surgery on her, and there was no way we could have afforded it, but Mercedes insurance company promised to pay over 90 percent. Well, we just received notice within a month, that over $3000. worth has been covered. We are elated and very grateful. Thank You, Trupanion!!!
5

out of 5

POSTED: | BY: Joanne

Thank goodness for Trupanion

I have never had pet insurance before. When I got my first American Mastiff, other AM owners suggested that pet insurance was of great importance. After several really good reports about Trupanion, I chose their policy for my dog. 4 months ago, I found out that she had an acl tear. The surgery was quite expensive and Trupanion came through like a champ. When I got my second AM, he was immediately added to my policy. I am retired and have a fixed income. Knowing that I can always care for my pets in the best way is a wonderful feeling. Thank you Trupanion.
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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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