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: Bill

Great Service and Coverage

I have been a client for 4+ years and have always found the service excellent and "hassel" free - both uncommon traits in the insurance world. Our standard white poodle is very active and seems to find trouble - two major incidents so far - and Vet Insurance has always been there. I must admit that when our vet recommended Vet Insurance I was more than a bit sceptical but no more - when I talk with fellow dog owners about my experience they are more than a bit surprised given their experience with other carriers. Keep up the good, no excellent, work. CHEERS!
5

out of 5

POSTED: | BY: Art

The best for your Buck!!

We have 2 standard poodles,while being very athletic,one is kinda a klutz. Our vet recommended Trupanion and we coudn't be MORE SATISFIED!!!! Your prompt and courteous service is a welcome event in this day and age!!!
5

out of 5

POSTED: | BY: S.

Expensive, but worth it

My six-year-old spaniel has had some major medical bills within the last year, and much of it has been reimbursed through Trupanion. I realize that, basically, pet insurance is a way of "saving up" for the worst occasions, so it isn't cheap, but it certainly is the best way to budget for those major bills - and Trupanion has promptly reimbursed me for most of my big claims.
5

out of 5

POSTED: | BY: Roger

There when we needed them.

Without our knowledge, our 11 month old Golden Retriever accidentally swollowed a stone about the size of a small egg. We noticed his behaviour was off and decided to take him to our Vet. An x-ray revealed the mass and he had to have immediate surgury at the emergency/referral clinic. Thankfully, everything turned out fine. Given the situation, I'm sure any pet lover would do their best to aid their pet and absorb the cost. This was a large bill with very little time to decide. Knowing we had the insurance made the whole situation much easier to deal with. Trupanion approved our claim very quickly and we received payment about one week later. We have had many pets over the years but this is the first time we have had pet insurance. It was a recommendation by our Vet. My conversations with Trupanion during the initial sign up period were informative and have since proven to be honest and accurate. We recently signed up my daughter's new cat and I can say with certainty that I would never be without pet insurance again.
5

out of 5

POSTED: | BY: Debora

Fantastic!

In the first 5 short months upon receiving our rottweiler puppy, he broke two toes and then had a major situation with vomiting and diarrhea. We have had many trips to the vet. Trupanion has been wonderful! Our vet processed the paperwork for me the last time and a check was received within a week! Trupanion has certainly helped to alleviate the burden of unexpected expenses. This was one of the best decisions I made!
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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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