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.
1

out of 5

POSTED: | BY: Andrea

First experience unsatisfactory.

I will need more information about my policy to determine whether I will be cancelling it in the near future. A Recovery and Complementary Care Rider wasn't discussed when I signed up and I will reach out to find out what it is. My Bayview claim of June 20th was denied because approximately four days after we adopted Oliver from the shelter (he was anxious when we got him) and he had spent those first four days living behind an entertainment unit only a few inches wide, he presented the symptoms described by the Ottawa Veterinary Hospital. There was no cause determined and my strong opinion is that is reasonable to assume these symptoms were stress-related. He is an anxious cat. I don't consider vomiting, lethargic behaviour, diarrhea and frequent urination (Oliver drank a lot when he finally came out from behind the entertainment unit and was exhausted from the stress of the move) conditions, rather they are symptoms and in his case I would say they are stress-related. We had extensive testing done to rule out medical problems so if anything that should have given Oliver a clean health record.
5

out of 5

POSTED: | BY: Ervin

Feeling blessed to have Trupanion!

I have to say that Trupanion is the best. They really have taken care of my dog and communicated closely with my veterinarian and our claim was handled in a very timely manner. Thanks Trupanion ??
5

out of 5

POSTED: | BY: Barry

I hadn't needed to make a claim in the 8.

I hadn't needed to make a claim in the 8.5 years that I had been paying into Trupanion pet insurance, but when I did, it turned out to be as easy as I hoped it would be. I hadn't set up an account (where payment received would have been even faster), but I still received a cheque back within days. Immediately after submitting my claim, I got an email back that you were on it, and then quickly got confirmation that the claim had been approved once you were in contact with the emergency vet clinic that I had gone to. It was a painless process, and reconfirmed why, as a retired veterinarian myself, I always recommended Trupanion to my clients. In my mind right from the beginning along time ago, I believed that Trupanion separated themselves from other pet insurance companies in what they covered and what their policies were. I still believe that today :-))
5

out of 5

POSTED: | BY: Keri

Excellent Insurance

Excellent
5

out of 5

POSTED: | BY: Paula

Great Service

Easy to apply with flexible payment/deductible for different needs
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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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