Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 24437

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.8
  • 4.9
  • 4.8
  • Count
  • 320
  • 3940
  • 24437
Trupanion insured pets lead longer, happier lives*. The Trupanion policy provides best-in-class medical insurance coverage for your pet that can be used at any veterinary hospital in the United States, Canada, and Puerto Rico – ensuring your pet is protected wherever you may be. They pride themselves on the amount they pay out to pet owners, paying out more on the dollar than any other pet insurance provider. To date they have paid out on over $1.5 Billion in claims. Trupanion can also pay your veterinarian directly, within seconds, at the time of checkout. This means no more having to fill out extensive claims paperwork or waiting to be reimbursed. If you submit your claim the old fashion way, Trupanion processes the majority of claims within two days, and many in minutes. The Trupanion policy has unlimited payouts on claims and do not increase your monthly premium for filing claims. While some providers may drop coverage when a certain number of claims are filed, Trupanion never will. The Trupanion policy does not increase rates just because your pet ages and their policy allows you to enroll your pet from birth for true lifelong coverage for your pet. *Based 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. 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.  
5

out of 5

POSTED: | BY: Tamara Chwist

Impressed!

I have been super impressed with the customer service at Trupanion, but nothing has been more impressive than the speed at which they paid me back after my cat's dental surgery. I received reimbursement for the covered portion within TWO DAYS of her surgery! So grateful for the ease and speed of this process.
5

out of 5

POSTED: | BY: L M

Best choice I’ve ever mad

This was the best choice I have ever made. I went to my vet for my first check up with my cat 5 years ago and they recommended medical insurance. They gave me a Trupanion offer which was a month worth of coverage and after I called them to activate the coverage I decided to get the full policy that day. They were so friendly, helpful and easy to deal with. They also are the only company that pays my vet directly which has been so unbelievably convenient!! I come in every month for feliway and fortiflora and the ladies at the desk just process the bill right there and trupanion pays 90 percent and I pay 10 percent plus taxes. I have had my cat in for allergy testing, ear infections, eye infections, scooting and urinary issues, anxiety and stress yet my premium has gone down $10 for my cat since I started 5 years ago and I’ve used my coverage a lot. I am so happy I called them and took my vets advice. More vets need to talk about this!!!
5

out of 5

POSTED: | BY: Mel Rampersad

Effortless Claim...thank you Trupanion!

Our 9 year old Golden Doodle unfortunately suffered a Cruciate Ligament Rupture and required a surgery known as TPLO. The veterinary clinic dealt directly with Trupanion and Trupanion covered 90% of the $4700 bill with no hassle or issues. They even paid the vet directly so I only had to pay the difference from my pocket vs paying the whole bill and waiting for reimbursement. We have been with Trupanion since our Golden Doodle was 10 weeks old and they have always been excellent to deal with. Insurance is something you pay for and hope you never have to use. It is nice to see a company stand behind their claims. Highly recommend using them for your pet's insurance provider. Thanks again Trupanion for being there when we needed you!
1

out of 5

POSTED: | BY: Kaitlyn Kilburn

Horrible Experience. Sneaky.

I never write reviews, ever. But, this calls for one. My dog has developed separation anxiety. He is one. Before talking to my vet, I contacted a Trupanion customer service representative to ask if the medication I am considering is covered and to look at my plan to ensure things are in place to go forward smoothly as this was my first time making a claim. I have had Trupanion since my dog was 8 weeks old to make sure nothing was pre-existing. I was told that everything was good and I just had to work my way up to the $700 deductible and then my medication would be covered 90%. This was a lie. I woke up today to an email explaining that my dog would not be covered as apparently I needed to purchase a specific rider policy for separation anxiety 30 days into starting my Trupanion account for my dog. I was NOT told this. I am now on a medication that is $127 a month for my dog (AFTER BEING ENSURED ALL WAS IN PLACE AND GOOD TO PROCEED) that will not be covered in any way as either way I cannot add the rider to my plan and it is now considered a pre-existing condition. Absolutely ridiculous. Talk to multiple representatives before starting a medication to make sure you aren’t in the same boat as me. Apparently that’s needed. Very angry and upset with the service and lack of transparency.
5

out of 5

POSTED: | BY: Jarrett Oswick

No hassles & Very pleased

TruPanion Canada gave us no trouble when we had to bring our Chihuahua in for a wheezing/bloating issue. The vet had a few concerns regarding both and ran some blood work, x-rays, and performed a full exam. We have a top tier coverage from TruPanion, and though pricey on a monthly basis, it was worth it when we needed to use it. The claim was submitted and TruPanion approved it within moments, there was no hassles, no arguments, no run around's it was done which made it much easier on our pocketbook as a thousand dollar bill was halved. Thank you to TruPanion for the coverage you provide, our little pup is back home and were happy to know that she is getting the best care possible (and feeling better) for her thanks to TruPanion.

Monthly Cost

Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and zip 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 coverage with no payout limits.

Deductible

Offers a flexible deductible from $0 – $1000, in $5 increments, to fit any budget.

Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for a 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!

One of Trupanion’s biggest differentiators is that they can pay your veterinarian directly, within seconds, at time of checkout. . This eliminates the reimbursement model.. You simply pay your portion of the bill and Trupanion takes care of the rest, working directly with your veterinarian. Trupanion offers one simple plan that pays 90% of actual veterinary costs for eligible claims once your deductible for that condition is met and offers unlimited lifetime coverage with no payout limits.

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