Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,188

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: Sandra

dog insurance - male mini sch.

I do not know what I would do without my dog insurance as I am retired but on a very low income and Kaiser has had to have his both legs operated on as well as cancer over this past year and there would be no way I could fork out the amount of money it cost by myself so I feel it is well worth the amount you pay out each month and when your animal gets ill it sure helps to know that you have help in handling the money factor. Thanks Sandra Norman
5

out of 5

POSTED: | BY: Jeff

Trupanion is Awesome

We purchased our policy with Trupanion within the first year of owning our pet...a Maltipoo She was recently was diagnosed with a condition effecting both knees known as 'Luxating Patella'. We were shocked to learn that the surgery would run over $3,000. We called Trupanion and after a thorough review of our Veterinary Pet History, they pre-approved the claims. The surgery turned out to be $3,146 and Trupanion paid 90% of this cost!! We were very pleased with their professionalism and service. No bait and switch that you hear about with so many other companies. No debate. Their policy is well written and easy to understand. I highly recommend trupanion if you pet does not have any pre-existing conditions. For a new pet under 12 months..it's a no brainer...just do it!
5

out of 5

POSTED: | BY: Erica

VERY happy with Trupanion!

I started my pit bull with Trupanion in April 2010. I just made my first claim and I am amazed at how easy everything was! The first thing that I noticed is how friendly the Trupanion staff is. I was honestly expecting something to go wrong with my claim - and not get the full 90% back....I only thought that beacause of all the bad stories and consumer reviews about health insurance for pets in general. BUT, I am soooo happy to say that I made my claim (which is very easy) and just received the check in the mail today:) Pretty quick I might add!! I am SOLD on Trupanion forever! From here on out I will recommend Trupanion to EVERYONE I know who has a pet.
5

out of 5

POSTED: | BY: Najim

Tried and True

Unfortunately,our dog contracted Lyme disease last year. But, fortunately we were wise enough to switch and go with Trupanion before this happened. After leaving another carrier who was more trouble that it was worth, my husband and I agreed we would try and find one that was for sole-y more-so for Illness and ER. The annual costs incurred with owning a pet, we were good for. It was the emergencies and illnesses we were more concerned with. For the most part, whatever funds you put into this towards the insurance is so much less than if the dog were to have to undergo a serious event. That is where the payoff comes into play. And not to forget to mention so far they have paid what they said they would. Worht EVERY dollar invested. ($ amt shown below is over the course of this illness)
5

out of 5

POSTED: | BY: Jennafer

My daily insurance claims - and my saved puppy!

A little over a month ago, my 9 month old German Shepherd puppy was attacked by another dog. After emergency surgery and drainage tubes, he had to go back to the vet three times for popped stitches. A few weeks later the wound was still not healing properly and they decided to do a bacterial culture to figure out what the problem was. We found out that my dog had contracted a methicillin resistant bacteria that was not responding to treatment. Our choices were few: 1) an injection I would have to give him twice a day that could cause his kidneys to shut down or 2) pills we would have to give him that are toxic to humans and could cause my own bone marrow to stop producing red blood cells. After thinking about our options, we decided to get a second opinion from UC Davis Veterinary Teaching Hospital. UC Davis world reknowned for having incredible veterinary care. After biopsies, blood work, and cultures they helped us make a decision on which antibiotic to give my Ben. Within 48 hours of starting this medication his wound had closed. The infection was very deep (only about 1.5mm away from his bone) so he will need to remain on antibiotics for another 2 months, but he is back to being a puppy again. I cannot stress to you how incredibly fortunate we were to have Trupanion insurance and not have to make medical decisions based on how much everything cost. There were times in the last few months where I was submitting insurance claims DAILY. Trupanion always responded
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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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