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: Diana

leg surgery on 7 month old puppy paid

I have never had pet insurance, and have not owned a dog for many years. I compared companies and had one recommendation for Trupanion. Due to price, I went with them. My 7 month old Pembroke Corgi had a limp that had not gotten better and had a diagnosis where one of his leg bones was not growing. This meant major surgery. And I got him from a highly recommended AKC breeder. Trupanion was very quick to review and pay. They cover 90% less other visits that are not covered. It came to around 15% that was not covered. Advise to pet owners on the fence re. getting insurance. If the dog is an investment and a major part of the family, think about getting the insuracne from the first day. I thought the leg issue would be just a sprain or something- Who knew. Surgery is giving my puppy the best option for a good future.
5

out of 5

POSTED: | BY: Pam

Processed at the speed of light

I had another insurance plan for my now 7 year old Sheltie that I dropped several years ago when the premiums continued to skyrocket. Thanks to Pilchuck Clinic for recommending Trupanion! Three months after initiating this policy, my 13 month old Sheltie was hospitalized in critical care for 6-1/2 days with seriously elevated kidney values. My clinic sent the records promptly after his discharge and within a few days I was notified that the claim was processed. We never want to tell our pets that we can't take care of them because of the cost. Thanks to Trupanion, I was able to get the highest quality care for my special boy, who is now completely well!
5

out of 5

POSTED: | BY: John

A company well named!!

Our Bedlington Terrier has had two neurological-hyperthemic attacks with limb extension rigidity which cost me about $2000. Trupanion have been wonderful and have lived well up to their name for which I thank, and recommend, them so much!!
5

out of 5

POSTED: | BY: Mary

Fast and Efficient

Trucompanion emails you as soon as your claim has been rec'd and usually within 48hrs lets you know again by email what you'll be receiving in coverage then the cheque is in the mail within a week to 10 days tops.
5

out of 5

POSTED: | BY: Debbie

excellent coverage

On April 14 2010 my 10 year old daughter and her friend were walking our 9 1/2 month old papillon/pomeranian when our dog was attacked by 2 rotweillers. Our little dog had its intestines hanging out, she was bleeding and whimpering in pain. At the vet it was discovered that 6 of her ribs were fractured, her diaphram was torn, and her lungs and pancreas were punctured. She needed emergency surgery to repair her chest and abdominal injuries. The following day she needed another operation on her abdomen. Following this she needed IV antibitics to prevent infection, pain medication and was hospitalized for many days. She had a setback when she started vommitting. We didn't know if she would make it due to her extensive injuries. My daughter was traumatized by the attack and was so scared her dog was going to die. However, she pulled through and survived. Her vet bills totalled $10,573.17. Thank goodness I had pet insurance. My claim was approved within a few weeks and I have been reinbursed at 90% minus the exclusion for vet exams and rechecks. I would highly recommend 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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