Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,183

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:

I've never really believed in insurance coverage for my doggo's in years past plus I've only heard 1st hand bad stories about pet insurance companies.

I've never really believed in insurance coverage for my doggo's in years past plus I've only heard 1st hand bad stories about pet insurance companies. I was hesitant to sign up after reading many experiences on the BBB website that weren't promising about Trupanion. Fast forward two plus years and I'm beyond grateful that I took a chance! The peace of mind i have is worth every penny! Filling claims and reimbursement have gone smooth as silk. Thank yous for taking beyond excellent care of Roachie and myself! We adore you!??
4

out of 5

POSTED: | BY:

I've always been happy with the staff at Trupanion ever since I bought Mocha (chocolate brown standard poodle) in April of 2005.

I've always been happy with the staff at Trupanion ever since I bought Mocha (chocolate brown standard poodle) in April of 2005. He had neurological problems later in life which were treated at the Lola hospital in Ottawa and suffice to say every bill was covered by Trupanion. I adopted Jelly Bean from the Humane Society. She had been abandoned by the foster people. She turned 6 on June 15 and is very happy with me; unfortunately she is still fearful of strangers and dogs.
5

out of 5

POSTED: | BY:

I never make any claim but the price rises a lot with no explanation not fair.

I never make any claim but the price rises a lot with no explanation, not fair. Also the deduction can only rise but not able to go down.
3

out of 5

POSTED: | BY:

I don’t understand why there is no answer for rehabilitation treatment which was ordered by the doctor due to injury - especially when the injury has already been covered.

I don’t understand why there is no answer for rehabilitation treatment which was ordered by the doctor due to injury - especially when the injury has already been covered. Information was asked for & supplied even though it was already in Trupanion files from 2016. Why have the rehabilitation coverage if it is not supported when there is an injury?
5

out of 5

POSTED: | BY:

Trupanion - easy as pie

everything was clearly explained and questions were answered.
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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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