Trupanion Canada Pet Insurance Review

Trupanion's policies include a wide range of coverage options making the company an excellent choice for pet insurance. You can enroll your pet from birth up to 14 years of age. They are the only company that can pay your veterinarian directly at time of checkout to eliminate the reimbursement model.  Trupanion prides itself on paying out more on the dollar than any other pet insurer on the market. To date, Trupanion has paid out nearly $2 billion in claims.

Plan details

Cancellation policy†

Policies can be cancelled by sending notification in writing via mail, fax or email. Policies cancelled within the first 30 days without any claim submissions will receive 100% of their money back.

How much is it going to cost you?

A variety of factors can influence your monthly premium cost:

• Average of treating illnesses and injuries for similar pets in your area
• Pet’s breed, age, gender
• Geographical location
• Deductible (higher deductible – lower premium and vice versa)
• Optional additional coverage (Trupanion has 3 riders you can add on to your core policy)

What you pay

1. Veterinary examination fees
2. Deductible
3. 10% co-insurance
4. Federal/ State/ Provincial/ Local taxes
5. Costs not covered by the policy

What does it cover?

Accident and Illness Coverage

• Hospitalization
• Surgery
• Diagnosis
• Prescriptions and medications

Additional Coverage Riders

Recovery and Complimentary Care Rider

• Rehabilitative therapy
• Acupuncture
• Hydrotherapy
• Chiropractic
• Behavioral modification therapy
• Homeopathy
• Naturopathy

Pet Owner Assistance Rider

• Liability coverage for third party property damage
• Advertising and reward costs
• Boarding fees if you become hospitalized
• Vacation cancellation costs due to an accident
• Cremation and burial fees caused by an accident

Breeding Rider

• Injuries related to breeding, whelping and queening

Emergency Dental Coverage

Therapeutic diets, herbal therapy, and supplements

What’s not covered?

• Pre-existing conditions
• Preventive care treatments (vaccinations, flea control, de-worming)
• Exam fees
• Sales tax

Summary

Trupanion has comprehensive coverage, no payout limits and 24/7/365 (including holidays) customer support all make it an excellent choice for financially protecting pets and pet owners against any sudden illness or accident. Like many of the top pet insurance services, it does not cover pre-existing conditions. The company's 90% reimbursement rate and no payout limit is just about the best deal you are going to find. Trupanion is the only pet insurance company who can pay your veterinarian directly, within seconds, at time of checkout. If your veterinarian does not offer Vet Direct Pay, Trupanion processes the majority of their claims within 2 days, many within minutes. There seems little going against Trupanion in terms of the overall quality of the services they provide. If you are looking for pet insurance in Canada, Trupanion is a must-look-at option.

Terms and conditions apply, please see Trupanion.com for full coverage details.  Trupanion is a registered trademark owned by Trupanion, Inc.  Underwritten in Canada by Omega General Insurance Company.