Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,189

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: Lyndsay

Best thing I have done for my dog!

Best thing I have done for my dog! Every time I speak to someone or submit a claim it is a pleasant and caring experience. It is such a relief to know that your family member has coverage for their health and it isn't going to be a fight. I had never had insurance for a pet before and was a bit wary, but man I am glad I did, and that I went with Trupanion! Will definitely be a life long customer for my fur babies! Great company!
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1

out of 5

POSTED: | BY: Kim

Not worth it.

Usually have to appeal decisions. They will find reasons not to cover. Covers per incident and will find reason to claim each incident is unrelated. Example...Giardia. Covered in 2019. No premium paid as deductible was not met. Ok. Accepted. Exact symptoms in 2021. Treated with same meds prescribed in 2019 (successfully) for Giardia although no cysts were found in fecal. They are not always found due to life cycle and shedding of Giardia cysts. Claim denied. Reason, vomiting diarrhea can be caused by anything including cancer so not covered. This was not first denial. They will say rates aren’t increased annually due to age of dog as if that is a positive. Perhaps this is true but they do definitely increase annually due to annual increase in vet fees. They don’t cover vet fees. Examination fees are not covered. Paid out about 7000 in premiums not including annual premium increases which has gone up from about 53 to 81 monthly. Recovered about 2600 of that in payable claims. They are quick to process claims and to respond on the positive side even if it is a claim denial you gave to appeal. Won’t fight with them over this one, considering cancelling.
5

out of 5

POSTED: | BY:

User friendly nice people that are helpful and a sense of comfort when you have a silly puppy!

User friendly, nice people that are helpful, and a sense of comfort when you have a silly puppy!
5

out of 5

POSTED: | BY:

Trupanion has the best customer service and quick turn around times for claims it's nice to always have that piece of mind

Trupanion has the best customer service, and quick turn around times for claims, it's nice to always have that piece of mind
5

out of 5

POSTED: | BY:

Service was great but I was really impressed with the fast response.

Service was great but I was really impressed with the fast response.
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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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