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: Matt

Trupanion is the best

Instead of sleeping in and starting a relaxing Sunday off the way I expected, I woke up to the sound of my French Bulldog having a reverse sneezing episode. The episode itself wasn't unusual, but Harvey's breathing after the incident was cause for concern. After monitoring for about an hour, I had to take Harvey to the emergency vet service in my City. My breeders were worried that Harvey may have pneumonia, and my relaxing Sunday had quickly turned into a stressful one. Unfortunately, like some other unlucky Frenchies, Harvey has suffered from breathing issues in the past. He has already had surgery in an effort to fix the issue and give him a better quality of life (which I was able to afford, thanks to Trupanion). In addition to being very concerned for Harvey's health, my anxiety started to build when I thought about how much the emergency trip to the vet might cost me. I asked the vet's assistant whether the visit would be covered under Harvey's existing condition. They weren't sure, but they offered to call Trupanion for me. 15 minutes later, I was completely relieved to receive word that Trupanion would treat Harvey's visit as a recurrence of his existing condition, and therefore I wouldn't need to pay a new deductible. No hassle, and no questions asked. I didn't even need to speak with Trupanion myself. While it still wasn't the relaxing Sunday I had in mind, Trupanion made my day a lot better than it could have been. In case you're wondering, Harvey didn't have pneumonia, but is currently on medication, which we're hoping will be the first step to getting him back to good health. Thanks, Trupanion!
1

out of 5

POSTED: | BY: Elizabeth Crotty

The fact that this is my dogs second knick this year should be covered.

The fact that this is my dogs second knick this year, should be covered. The fact that it is per incident is fraud and a bait and switch. My dog is epileptic and has serious issues, thus I cannot afford to drop the insurance but if I could I would. You play on people who simply love there pets. I pay you over $1,000 a year for nothing.
3

out of 5

POSTED: | BY: Monica Homa

The company sent me a email they needed something I did it right away and the have waited until I call to push my claim in so now it's months later and still haven't gotten reimbursed

The company sent me a email they needed something I did it right away and the have waited until I call to push my claim in so now it's months later and still haven't gotten reimbursed
5

out of 5

POSTED: | BY: Clark Reed

Devin answered my questions very nicely.

Devin answered my questions very nicely.
5

out of 5

POSTED: | BY: Maureen Wildauer

Fast Claims Processing & Caring People

Quick claims processing and when you have questions you get caring customer service folks as a bonus.
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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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