Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,149

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: Susan Lee

Best Decision I Ever Made

When I got my Westie, the vet gave me the best advice ever; get insurance with Trupanion. My boy was diagnosed with Addison's Disease when he was three and now, at the age of nine, he also has diabetes. Without the support of Trupanion, the expenses would be overwhelming. Thank you for taking such good care of my boy!
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5

out of 5

POSTED: | BY: Patti

Timely and efficient coverage

This is not the first time I have had to use the insurance coverage, but I'm so glad I have the coverage. My Havi has gastro intestinal issues that we are still trying to figure out the cause. Trupanion has paid the claim quickly and efficiently. Thank goodness too as I'm on a fixed income.
5

out of 5

POSTED: | BY: Gina

All Insurance Companies need to lessons from Trupanion

Frieda has several serious health issues including epilepsy and elbow dysplasia. Her vet bills have been substantial. The stress and worry, while extensive diagnostics were performed, were mitigated by the knowledge that Trupanion was with us. The costs were beyond my budget. Without the unconditional support of Trupanion, I would have had to make a terrible choice. With Trupanion her conditions were diagnosed and are manageable with medication. Trupanion continues to support both of us by covering Frieda's ongoing medication costs and reimbursing me promptly and directly to my bank account. Their service is exemplary. House, car, and liability insurance companies should take lessons from Trupanion on service, rates, and loyalty. Both pets I have acquired since Freida are covered by Trupanion. I will not be alone with the worry and expenses of my pet's health ever again. Thank you Trupanion from Gina, Frieda, Toby and Minnie.
5

out of 5

POSTED: | BY:

You are great with processing the claims which helps our dog suffering with infected ears.

You are great with processing the claims, which helps our dog suffering with infected ears. Thank you.
5

out of 5

POSTED: | BY:

A very positive experience!

When we were doing our research on finding a Company to provide the required insurance for our Golden Retriever puppy we found Trupanion to have the most informative information available online which allowed us to compare providers. After a thorough review of what was available to us we chose Trupanion based on the information we provided and from speaking with friends who also use their services. The enrollment experience was exceptional and easy to complete with no issues what so ever.
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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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