Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,189

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.
4

out of 5

POSTED: | BY: Sharon

While Evan was great on the phone and was as helpful as he could be the situation for my call was NOT resolved it wasn't in Evans level to do.

While Evan was great on the phone and was as helpful as he could be the situation for my call was NOT resolved, it wasn't in Evans level to do. I am most unhappy this situation arose in the first place. I highly resent a claim person to deny a claim on medication that has previous been prescribed and accepted by trupanion for the same condition for the same dog. I also highly resent the claim person making her own diagnosis on this claim for a condition my dog does not have.
4

out of 5

POSTED: | BY: Taylor

Since signing up I have paid a premium every month for over 18 months and I don't believe they have covered anything for me yet.

Since signing up, I have paid a premium every month for over 18 months, and I don't believe they have covered anything for me yet. They don't cover regular check-ups. The first and only claim I filed was denied due to my cat having a "pre-existing condition" for have a short, discrete illness over 2 years ago. I had asked if this would cause an issue when I initially signed up for the insurance and was told no, which given the circumstances, seems pretty misleading.
2

out of 5

POSTED: | BY: Sarah

I did not receive a satisfactorily explanation regarding the excessive deductible on the visit 12/11.

I did not receive a satisfactorily explanation regarding the excessive deductible on the visit 12/11. Why should I be penalize due to the why the vet entered the reason for my visit. The reason for my visit was all tied to the final diagnosis of cushings, she did send me the appeal form.
5

out of 5

POSTED: | BY: Andrea

Trupanion is a wonderful, caring pet insurance company.

I have had Trupanion pet insurance since both of my dogs were pups. We recently had to put Aspen down after a difficult time in the emergency. It was the hardest thing I have ever had to do. Trupanion was so supportive and processed the claim for all of the medical services. We now have our other dog going through congestive heart failure. He gets regular blood tests and is on 4 medications to help alleviate fluid in his chest. Trupanion has been so wonderful in processing our claims and helping us to enjoy the time we have left with Timber, however long that may be.
5

out of 5

POSTED: | BY: Anastasia

Your customer service is very good and covers more than other insurance.

Your customer service is very good and covers more than other insurance. Though I have never met my deductible to make a claim (thankfully!) most of my friends highly recommend trupanion after easy claims.
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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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