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: Margarita

Great company!!

I typically never write reviews but Trupanion has been unbelievable and I wanted to share my experience.My cat is 12 years old and last year I started shopping for an insurance company because although she had always been healthy she was getting older. It was hard to find an insurance company that would cover an older cat indefinitely, especially with all the sketchy reviews. I finally decided to stick to Trupanion and that was the best decision I made. I have 90% coverage, no deductible and they even improved my policy after enrollment and waived my lifetime limit (which was 20,000 when I signed) A couple of months after my policy started, my cat got sick and she required multiple tests and visits to the vet. I have filed approx 6-7 claims (probably total >1000$) and I have been extremely surprised and pleased. They have never denied a claim and on the contrary they go out of their way to make sure that everything is processed in a timely manner. Their claims are usually processed in 2-4 days and I usually get the checks the following week. I am a very satisfies costumer and have recommended Trupanion to all my friends who are pet lovers!!
5

out of 5

POSTED: | BY: Jesse

Thank Goodness

I'm not the best writer,but I wanted to say Trupanion is the (one of )best things we did as a family for our dogs. Jesse our youngest dog got hurt rough housing/playing with our other dog.Trupanion came through for us and saved us alot of money. We are not rich people and pet insurance we didn't think we could afford, but we got a duductable we can afford. Never thinking we would really use it . But guess what !! Life happens .. Jesse hurt his jaw and the costs would have left us to borrow money from family and friends if it wasn't for Trupanion. We our so greatful. My poor writing skills can't express enough. If you have a pet please call trupanion you won't regret it and it's worth every cent. yours LisaN. owner of Jesse.
5

out of 5

POSTED: | BY: Cynthia

Trupanion is a life saver!

Trupanion Pet Insurance is the best choice I have ever made. My 12 year old greyhound was diagnosed with splenic hemangiosarcoma and had to have surgery to remove a mass and her spleen. She is currently undergoing a round of chemotherapy treatments. We have finished the second treatment and she is doing amazing! And the best part is that because of Trupanion, I can spend my time focusing on my precious Sweetie Pie, and not worrying about "the money"! Trupanion has quickly and effeciently paid each and every claim I have submitted to them! It has been a true lifesaver having this insurance. I can't recommend it more. I am telling all my friends and family to get on board! You will never be sorry you got insurance, only sorry you didn't! Trupanion has made this horrible time a whole lot easier to bear for my family. I will have Trupanion Pet Insurance on all my animals from now on. No question. Trupanion Rocks!
5

out of 5

POSTED: | BY: connie

Happy with Trupanion Pet Insuarance

I've enrolled my yokie pup at 3 months with trupanion pet insurance.Had no problem, a cheque was sent to me right away. Also, my vet had proper forms filled and signed for me. Also they can fax all in paperwork to them at no charge. I'm very pleased with trupanion and I will recommend them to you.
5

out of 5

POSTED: | BY: Maggie

Finally a pet insurance that covers your costs

This insurance does not cover your yearly physical expenseses but IT COVERS 90% of TOTAL ACTUAL VET BILL for sick, diagnostic, lab, surgery,over night care..I live in New York and medical bills are much higher than a small town across the country. At present I am a pet parent to 3 cats and 3 dogs of which 2 of my pets are very senior dog 18 years old and cat 23 years old, my other 4 pets are 4 years old I Know how hard it is to take care of your pets when ill..I was always looking for insur for my younger pets that made some sense. All other insur covers yearly visits and such BUT it is NOT what it cost you IT IS A PAY SCALE AVERAGE and lots of exclusion and premiums some higher than Trupanion..I picked Trupanion because their coverage IS 90% of what it costs you for illness or surgery and NO CAPS ON LIFETIME. I enrolled 7/29/2010 my younger pets. One of my dogs ruptured her R CCL ( her knee tendon) had surgery $ 1610.00 9/24/2010 recieved payment 10/19/2010 for $1449.00..I AM SO HAPPY , also had a prior bill expenses $ 737.00 diagnostic and labs in reference to above Recieved payment for $ 663.30..AGAIN I AM SO HAPPY..I STRONGLY RECOMMEND THIS INSURANCE>.p.s I never write reviews but what I read up on Trupanion helped me , I hope this helps someone else...
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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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