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:

Trupanion is the best.

We love Trupanion. It gives us the peace of mind and freedom to take care of our fur baby. Our veterinary clinic is able to process direct payments. Submitting receipts is also easy and simple.
5

out of 5

POSTED: | BY:

Excellent Customer Service

Because of customer service, the lady that worked with me was extremely kind, knowledgeable and efficient.
1

out of 5

POSTED: | BY: Kim Conti

Misleading & Misrepresented Coverage

The people at Trupanion are great and friendly however the insurance misrepresents what they cover and is open to interpretation which is very confusing as a customer! One item they will not cover is behaviour based issues that happen prior to enrolment. For example - if you have a new puppy and they ingest things like chocolate and you go to the vet - they will consider this preexisting and not pay any claims for the life of the dog related to this. Which is ridiculous. Eating things that fall on the floor is normal puppy behaviour/normal dog behaviour. So now we’ve put a claim forward and it’s not covered even though the one instance, all we did was call the vet to ask what we should do and because it was noted in the file, it is considered preexisting. I would look elsewhere at other insurers and make sure you ask the right questions! We thought we had but clearly, we did not! Didn’t help that they basically state they cover almost everything…except when you actually need it.
5

out of 5

POSTED: | BY: Marie Chandler

Trupanion do really care. They are always there for me when Cooper is sick ❤️❤️🐾

Trupanion has always been there for me when Cooper got sick. I had the time to totally focus on my doodle and Trupanion were there in literally minutes to take away some of the pressure. I cannot say enough good about this Company. They are the top, the best in my dealings. Love you Trupanion! I feel I should add that no one is paying me for this report. It comes from my heart when you are dealing with a dog that will have this condition for his life you appreciate a Company like Trupanion!
5

out of 5

POSTED: | BY:

Elin is super helpful

Elin is super helpful

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 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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