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: Alana

Trupanion makes it easy to deal with…

Trupanion makes it easy to deal with them. They are a five star company. I am glad I got insurance with them for my Bentley and Chloe.
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5

out of 5

VETERINARIAN: Kemptville Animal Hospital

POSTED: | BY: Dana McPhail

Trupanion is a solid, good and empathetic insurance provider

We recently lost our beloved Charlie to hemangiosarcoma. It was an awful time, and we were absolutely devastated. Trupanion was involved with the claim, and I had to speak with them on the phone over a few things. The girl I spoke with was empathetic, kind and I could tell she really cared. I have used this company for the past 5 years. Their processing is fast, and fair. They take a lot of stress out of very stressful situations. Their reporting is excellent. Thank you Trupanion.
1

out of 5

POSTED: | BY: Haley Simons

(Un)Trupanion - Next Level Scam Artistry

After 14 years of paying significant premiums with this company, I recently found out they were charging me almost double because my spayed female cat (named Marilyn) was mis-categorized as male. This resulted in significantly higher premiums over the course of 14 years. The company now refuses to reimburse any of the extra fees paid, claiming it was my fault for not noticing their error. Every single dealing with this company has been a battle. You are expected to be an expert-level diagnostician when making a claim, as virtually all issues are considered as 'new', meaning you will be subject to always paying your deductible, even if a condition was related to a previous claim. Every which way, this company has skewed things to their massive advantage. You don't stand a chance. The ONLY reason I am still with them is that after 14 years, I may actually be coming close to getting my premium coverage worth. Close. But what a struggle. They are masters at changing the game whenever it suits them/disadvantages you. Would never recommend them again.
5

out of 5

POSTED: | BY: Luci Thoburn

Claim sent in by vet.

Claim sent in by vet. Received cheque within a couple of days of office visit. Very easy.
5

out of 5

POSTED: | BY: Alana Roberts

Because I think you guys are great

Because I think you guys are great
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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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