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: JG

Mostly great but some really bad

Trupanion is outstanding in some ways. My dog tore her ACL in both back legs (at different times) and they paid 90% of the surgery, all meds, and post op rehab. They cover chiropractic and laser therapy. Wonderful! However - my dog has allergies that are not covered because when she was in the 90 day waiting period, she broke out on her belly and the vet suspected allergies. We lived in Austin at the time and I don’t even think she was prescribed anything stronger than Benadryl but because of that, NOTHING is covered even remotely associated with allergies - or allergy medicine. We don’t live in TX anymore so the allergies she suffers in Nebraska are completely different but I’ve made my peace with this. Recently she had a bacterial infection in her paw. The vet increased her allergy medicine as a precaution because there was so much ice and snow that I couldn’t keep the paw dry or protected and it kept it from healing. So the claim was denied - because of allergies. That’s ricidulous. I don’t know if I would recommend them. They take forever to review claims they are going to reject and once denied, there’s an appeal process you have to go through. I get that they’re an insurance company looking for ways not to pay but if it weren’t for the times they’ve paid on the big stuff, I would not recommend.
5

out of 5

POSTED: | BY: Caroline

Absolutely delighted

We have had Siri insured with Trupanion since he was a puppy (he’s now 12), and had only made two previous small claims, for minor injuries. I will admit I was nervous about this claim, because it was for a LARGE amount, and costs are likely to be ongoing. But Trupanion handled the claim quickly and without fuss, paying all the costs aside from our deductible and 10% co-pay. We are delighted with the service we received, and would recommend the company to anyone looking for reliable pet insurance at a reasonable cost.
5

out of 5

POSTED: | BY: Laurie

Happy Client

Trupanion has been absolutely fantastic! In almost 4 years, I have never had a problem submitting a claim or getting my refund. I highly recommend them.
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5

out of 5

POSTED: | BY: Eleni Karageorgos

Trupanion is very easy to use

Trupanion is very easy to use. I have experienced it first hand the difficulty of deciding on your pets’ medical attention based on money. With trupanion, this difficult decision is eliminated and leaves you to focus on your pets’ need. Veterinary offices are able to bill directly and if not, submission of receipts online for reimbursement are easy and quick. I recommend trupanion to all my family and friends.
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4

out of 5

POSTED: | BY: Stacey

I love this company

I love this company. They are very helpful and usually very quick when I send in a claim. My only complaint is they do up the price yearly!
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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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