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: Kathy

Harper's mom

The experience itself is wonderful--my vet submits the invoice to Trupanion while I wait, and no more (usually) than 5 minutes later, the vet is reimbursed. I then only have to pay my 10% share. So easy and less hassle than paying the bill, submitting the claim, and waiting to be reimbursed. The only reason I didn't rate the experience a 10 is that not everyone wants to pay a monthly premium, and we do spend a fair amount annually on those. But for recurring skin and allergy issues, it's been more than worthwhile.
4

out of 5

POSTED: | BY: Brenda

I just realized that there are dozens (or more) deductibles - a different $1000 deductible for EVERY condition a dog might have!

I just realized that there are dozens (or more) deductibles - a different $1000 deductible for EVERY condition a dog might have!! Since our dog was 7 when we rescued him, it will be difficult for him to accumulate that many vet bills in his remaining lifetime. If anyone ever asks me what I think of Trupanion, I will explain this very clearly. Your contract covers this, I'm sure, but I was not aware of it until we'd had the coverage for 3 years. Also, I would have waited 30 days after purchasing Trupanion before taking him for a vet checkup (even though he was a rescue) because now, for the rest of his life, he will never be covered for anything related to allergies or itching - simply because I asked the vet to check this out when we first got him - and it is listed as a pre-existing condition. Also, when he did have an expensive illness last year ($6000), we had to fight like crazy to get Trupanion to cover any of it, simply because he had had diarrhea before in his life (before we purchased the Trupanion policy). Diarrhea is too common and too general to be considered a "pre-existing condition." That said, the service folks are unerringly friendly, reassuring, knowledgeable and polite. The response time has been excellent for our claims. Everything is clearly automated to the nth degree, but I always feel there is a caring human being available to answer questions.
4

out of 5

POSTED: | BY: Eileen

I have only had this insurance for a short time and feel it's a bit expensive.

I have only had this insurance for a short time and feel it's a bit expensive. However, it beats the potential tens if thousands I would pay in vet fees if something happened to my dog. Serena was very helpful and really seemed to know the product well when I asked questions.
4

out of 5

POSTED: | BY: Danielle

Good experience so far.

Good experience so far. Even though I have not used the services
4

out of 5

POSTED: | BY: Janet

Because nobody is perfect.

Because nobody is perfect.
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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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