Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

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: Pamela Lupasko

Trupanion #1 Pet Medical Insurance!

I love that I only pay my share of an invoice after my vet's office submits my claim while I wait for it being approved rather than I pay the total amount and then submit the claim to you for reimbursement. Sometimes the amount of the invoice is more than I can pay up front. Trupanion has paid thousands of dollars for my claims and if I had to pay and then wait for reimbursement - that totally defeats the purpose of having pet insurance.
5

out of 5

POSTED: | BY: Cathy Schell

Helpful and provided direction to resolve issue.

Helpful and provided direction to resolve issue.
1

out of 5

POSTED: | BY: Amanda Tardif

Worst customer service experience ever

Worst customer service experience. Megan W. which I spoke to was degrading and not very much of a good listener. They offered me to renew my free trial I got through my breeder. Which I happily did - I clicked the link thy sent me and chose a cheaper version with a higher deductible at $700 (cause we simply just can't afford the $250 deductible option). Payment went through and everything, I got my card statement today and realized I was charged $100+ rather than ~$45 (!!!) I called them right away and asked to see what could be done, explained the situation, etc. I was told that I should have asked the day of to remediate to the issue, and that there is NO WAY their system could have made this mistake, that it was simply my own fault and no reimbursement or credit could be made. That I should have called them directly rather than use the link they sent me by email. I don't know what to say other than I cannot believe how poorly this went and how sure I am that I selected the $700 deductible option, there's absolutely no doubt!! Anyways, not a good start to a ''life long'' relationship. I truly hope Megan get some more customer service coaching and Trupanion to get a bit more human friendly to address glitch/errors like this. I am simply asking for a simple refund or credit of the difference... That fund difference really matters to some people.
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5

out of 5

POSTED: | BY: Holly Sells

Trupanion Best Choice for Pet Insurance

Always good. Very quick turnaround and response. Thank you!
5

out of 5

POSTED: | BY: Luana Walker

Maggie’s Mom.

It was quick and easy to get a quote and find a policy to suit us as well as easy payment setup.
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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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