Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

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: Rita

Best coverage for Bulldogs - truly pays the claims

Having a Bulldog presents the absolute possibility of some type of health problem - from skin allergies to respiratory issues. My last Bully had the respriatory issues including pneumonia and intestinal issues.Currently my young Bully is a walking allergy. His skin condition requires regular injections, baths with prescription shampoo and conditioner twice a week, regular visits, outbreaks requiring expensive emulsions, daily allergy medication - high maintenance. After satisfying my deductible all medications and treatments continue to be paid at 90% (not the visits/evaluations). It has saved me many thousands of dollars. This does not pay for regular vet visits or normal vaccinations and boosters but the cost is very reasonable and guaranteed for the pet's lifetime (unless there is an inflationary increase - for everyone in that class)which has been quite reasonable. Dogs with lesser issues cost less. The best - I researched them all.
5

out of 5

POSTED: | BY: Nicole

Fast & Friendly Service

This is the 2nd time we've had to submit a claim for our now 8 month old puppy. I don't know what we would have done without Trupanion! Gator's bet bill in just 1 weeks time was $700 during the 2nd week of December!!! Thankfully we selected the $0 deductible with a slightly higher but more manageable monthly payment. There was no hassle, the claim form is easy to complete, and the customer service is helpful and courteous. The best part is we are reimbursed within 2 weeks time! I highly recommend Trupanion to family and friends with pets.
5

out of 5

POSTED: | BY: Karen/James

Very satisfied

Many claims made for various ailments and one major operation for damaged ACL
5

out of 5

POSTED: | BY: Jackie

Great

Very fast at processing my claims. I have had insurance since 2002 and my cheque arrives in the mail in approximately 2 weeks.
5

out of 5

POSTED: | BY: Erica

Cruciate injury and surgery

Eleanor ruptured her left hind Cruciate playing ball. After rest, anti inflammitories and finally x-rays and surgery she is resting comfortably - or as comfortably as a springer can rest in a kennel without extensive off leash running. She is not a very happy girl right now but when her rehibilitation is complete and she is given the green light, she will be better than 100%. She will be bionic!
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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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