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: Ron Tilles

You always do a great job for us.

You always do a great job for us. We are so thankful that an insurance company can have the values, fairness, and heart that you have. You have made it possible for us to give our girl the best life possible and you have never once indicated hesitancy to help us despite her many challenges. We have recommended Trupanion dozens of times to other very happy friends and the Loomis Basin Clinic has adopted Trupanion as their go-to number one referral for new pet owners. Thank you.
5

out of 5

POSTED: | BY: Barbra Ferazi

I have not yet sent in my claim but so far the process seems easy.

I have not yet sent in my claim, but so far the process seems easy. Kelcie (of your office) was extremely helpful to me. She emailed the claim form and also sent it 'snail mail' as the form was not printing out correctly. I will leave another review after the process is completed.
5

out of 5

POSTED: | BY: Debra Waltermire

Each representative I have spoken with have been professional and caring.

We pay for insurance with the hope we never have to need it and hope that if the day comes where we need to file a claim that the process will be with out hassle. Trupanion Insurance and their representatives have exceeded our expectations. Each representative I have spoken with have been professional and caring. They have eased my concerns and helped to make this process as stress free as possible. Tango is in good hands.
5

out of 5

POSTED: | BY: Lewis Cains

She was very kind helpful and warm.

She was very kind, helpful and warm. She answered all my questions and talked to me that helped me as my best buddy was dying of Cancer. He passed away 17 Apr '18. The cancer tumor on his jaw increased so much that he could not eat or drink anymore. I brought him in (Ninja) to Camino Aniumal Clinic where they looked at him and told me it was time. There was no more they could do for them. He was in pain and his eyes were sd. They gave him a shot to relax him so the pain would go away and allow me to hold him for awhile and I had a chance to say good by and and talked to him. I was devastated at his loss and I don't know how I made it home without him. He will always be in my heart. I loved my Best Buddy so much. I wished him farewell on his trip to Dog Heaven where he would be free of pain and problems. I set him free. Alice helped me get ready for this moment. Thank her for me, Lewis Cains for Ninja my Best Buddy.
4

out of 5

POSTED: | BY: Dee Herschbach

I don't understand why sometimes you pay promptly and sometimes it's over 2 weeks

I don't understand why sometimes you pay promptly and sometimes it's over 2 weeks
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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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