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.
4

out of 5

POSTED: | BY: C Allan

Yearly policy rate increases

I would give tham a 5 star if the yearly premiums didnt rise so much. They pay out immediately EVERY CENT they say they will, so that is great. They will process the claim while in the vets office, so direct billing is great. I have a 10 year old purebred mini dauchsund. Year one premium was $32 a month, it is now over $120 a month. They will not raise the premium based on any claims or your dog's advancing age, that's true...but they do increase it yearly based on inflation of medical costs in your area. Just a heads up, because the site makes it look like your rates won't go up. I live in Victoria, BC
5

out of 5

POSTED: | BY: Kathy/Bill Lovie

Awesome

Our 7 year old collie/pekinese mix had to have surgery on a ruptured ligament on his left knee, the surgeons office emailed the estimate to trupanion and we had email confirmation of approval within 24hrs to approve the surgery and now anything related to this in the future does not need approval. Awesome experience with something that was so scary for us parents to handle. Any questions I asked were answered immediately. Thank you so much, truly from the loving parents of our best buddy Niche!!!
5

out of 5

POSTED: | BY: Kristine

Trupanion is so amazing to deal with, we cannot thank them enough for their exceptional service!

Our experiences with Trupanion has been so exceptional. We can thank them enough. Everything has been a breeze, they make the process so easy. Every employee of Trupanion that we have dealt with has been amazing. Trupanion is a wonderful company. So thankful we have insurance for our Bulldog through them. I can’t imagine a better company. We highly recommend!!!
5

out of 5

POSTED: | BY: Jody

Simply the best

Trupanion provides clear, easy to understand insurance coverage. Claims are very easy to process and they will pay direct to the Vet so you don't have to pay a hefty bill and then wait for reimbursement. The support staff are super helpful.
5

out of 5

POSTED: | BY: Nicole Harriman

WE LOVE TRUPANION !

We have had medical emergencies and planned procedures in the lifetime of our pet and have had superb prompt and courteous Professional Service trupanion every time without question

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 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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