Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,189

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: Lollie

Fast

Just know your policy. I bought this inurance because my last dog past away from kidney failure and my vet bill was 4200. I bought a new puppy and bought insurance. My new puppy has OCD. The 250 deductable does not take office visits. Well that could be a 100-200 dollars. Very friendly company and seem to be fast at paying claims. Just know what your policy says and you will be happy.
5

out of 5

POSTED: | BY: Stephanie

Skin Biopsy

My dog needed a skin biopsy to further help me know what was wrong. He had hair loss on ears, face, and eyes.The tissues needed to be evaluated by a dermatoligist doing the biopsy.
5

out of 5

POSTED: | BY: Addie

Trupanion rocks!

I had researched pet insurance for years and always concluded it was a waste of money. That was before Trupanion. This company is amazing. great coverage, incredibly responsive. Wouldn't be without it. Do the research, then call them.
5

out of 5

POSTED: | BY: Andrea

So far so good!

I have nothing bad to say about Trupanion! I have a very accident prone 2 year old Boxer. I purchased this insurance last year as I was sitting in the waiting room of the E.R. when my guy drank antifreeze and cost me over $4,000. It has been by far the best decision I made. We have had several injuries since then, the most recent being a severed artery needing surgery! Now, my dog loves to injure himself after hours so these all end up being costly E.R. bills and I must say I am very satisfied with my timely reimbursement and customer service. Plus with these economic times every little bit helps, we could be getting nothing back.
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.
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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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