Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,162

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: 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.
1

out of 5

POSTED: | BY: Elizabeth

Pet owners beware,Shame on you Trupanion...

We bought Trupanion for our puppy. When we purchased the insurance we were told should our dog get sick, 90% of all charges were covered, with NO CAP and NO LIMIT. We submitted our bill of $220. We got back $9.00 Seems VET EMERGENCY EXAMINATION was not covered. That is something no-one ever told us when we purchased the policy. SHAME ON YOU TRUPANION. Pet owners beware.
5

out of 5

POSTED: | BY: Melanie

Trupanion Helped Sasha! Very Satisfied Member

I am very satisfied with the customer service and prompt reimbursements I have received from Trupanion Insurance. I have a 7 month old English Mastiff puppy. I have only had the insurance a few months but it has paid out over $4,000 in needed OCD surgery, diagnostics, medications, etc from specialty care. I would strongly urge all pet owners to prepare for the worst case scenario. Decisions for medical care should be made based on what your friend needs, not what you can afford. Purebred dogs like Sasha may be born with congenital problems and Trupanion is one of the few that will pay out on such claims. Sasha is well on her way to a good quality of life thanks to preplanning and a great insurance plan like 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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