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:

Seems like a good insurance company but have yet to put in a claim so I am reserving judgement.

Seems like a good insurance company but have yet to put in a claim so I am reserving judgement. It is also a very expensive policy that not everyone I know would be able to afford!
5

out of 5

POSTED: | BY:

They helped so much when we needed it

We just had to put our sweet English bulldog down, he was in emergency for two nights on oxygen before we made the call. It was an extremely expensive bill and a very tough time for our family. Trupanion covered a very large portion of our final bill and the process was very quick and seamless. The last thing we wanted to be worrying about was money at that time and we were so appreciative of the turnaround time.
5

out of 5

POSTED: | BY: Collette Peach

Forever Thankful

We had a horrible thing happened to our 3 year old dog Lola..very close to Christmas this year 2021..our dog ingested something and had to have major surgery. We always had insurance with Trupanion and we were ever so thankful we did! The fast timing of the approval for the pre-determination of surgery was super fast and after surgery was completed once the claim was submitted it was no time before we had a response...and a good one at that! Honestly if it took 10 to 20 minutes that's all it took. I also took advantage of the online help and had great service from them as well! I'd recommend this insurance to every person who has a animal! You never know when you'll need them! Thank you so much Trupanion. We will forever be thankful to you ❤
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2

out of 5

POSTED: | BY: Darlene Lapointe

Examination fees not being covered is big downfall for Trupanion

The people I spoke with were great - from the person I signed up with to the person who helped me put in my 1st (and last) claim. The ease of submitting the claim was great. However, they do not cover the exam fee. That was a complete surprise. I suppose I should've read the print better - but also, no one pointed it out and this is my first experience with a pet and pet insurance. I don't understand how the exam part of the whole procedure can be left out of the coverage? There can be no diagnosis/treatment/recovery without first being examined. For example: My first claim was over $1300 - which included exam fees, x-rays, and finally antibiotics. After they remove taxes (again, I don't understand how they can just not cover that, I paid it), the vet fee, and the deductible, they ended up reimbursing only 40% of the total cost. I find the lack of coverage of the exam fees a dishonesty and misrepresentation on their part. They claim to cover "90% of actual veterinary costs" without actually covering the cost of the veterinarian? I know the small print is there, but I truly believe the larger print affirmations are a complete misrepresentation. The exam is the basis of the whole treatment. Due to this, I will be canceling my policy as soon as I find a new insurer.
4

out of 5

POSTED: | BY:

Deductibles are fairly expensive but the customer service is really prompt and helpful

Deductibles are fairly expensive, but the customer service is really prompt and helpful
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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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