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.
5

out of 5

POSTED: | BY: Darla

Best purchase I made for my pet!

We’ve had Trupanion since our six year old dog was three months old. She has had a myriad of experiences which required Trupanion’s help, some traumatic. Trupanion was there, covered exactly what they said, immediately, without blinking an eye! What a difference it made for us in decisions that needed to be made. It included amounts of thousands of dollars, and Trupanion was true to their word! I highly recommend this insurance to everyone who is looking for a reputable company. We are with this company for the life of our dog. So worth it! Thank you Trupanion!❤️
1

out of 5

POSTED: | BY: Bee Duncan

If they can't take us seriously, do you really think they will take your pets health seriously?!?!

My vet recommended this company. We were told we could get a 6 week free trial for our new puppy. This was on a Friday. We then got an email from Trupanion on the Monday saying we have 24 hours to activate the trial. I called immediately. To which we were told that the 24 hours applied to the time of the dogs vet visit, not the email. WHAT?!? Fine. Whatever. Let our vet know of what Trupanion had to say about that. Then a month later, we decided to call and ask a multitude of questions in regards to insuring our THREE ANIMALS. We had been taken by a pet insurance company in the past and wanted to full investigate that all possible "Loop hole" questions were formally answered. After about 5 minutes, it was clear I was annoying the customer service gentleman. And after about 10 minutes he blatantly laughed out loud regarding my questions about foreign body removal. I even informed him that we had already been taken by another company. That they were recommended by our vet. And that we wanted to ensure that all our questions were formally answered. Being so annoyed by his laughter and disregard to furry family members, I thanked him for his time and hung up. Two experiences. Two FAILS! Don't waste your time or money. They certainly don't take us seriously.
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5

out of 5

POSTED: | BY: Sher

Efficient

Claims process was very efficient. Terms of coverage are clear. I submitted my claim on a Friday evening and received word on approval the following Tuesday-no questions asked.
5

out of 5

POSTED: | BY: Kacie

Pet lovers, rejoice! Finally, a company that cares.

First. Whenever I have questions, i get to talk to a person on the phone. Who loves animals. Second. Never have I ever had a problem, with these guys. Happy to pay my premium to get the best service out there. Saved my butt (and my dog's butt) many times! Easy claim service, quick response time, and DIRECT BILLING (which could be just because I also love my vet... but you get the picture)! Yay!
5

out of 5

POSTED: | BY: Alli

The Best!

We ended up getting pet insurance after a long debate about whether it was better to simply just save money each month, or get pet insurance. After a family member spent thousands of dollars when their cat was ill, I decided to sign up. I'm so glad that we did because since that time my cat has been unwell twice, both times resulting in over $1000 in bills. She seems to be prone to a funny tummy so it is likely we will have to deal with this again. Trupanion has always quickly assessed our claim and sent reimbursement without question. They are able to get the information they need from speaking to the vet and past providers. While in Ontario it took a while for the cheque to come, but now living in Vancouver we received reimbursement in less than a week. I feel so good knowing that I have peace of mind and that I will never need to choose between my pet's comfort or life and money.
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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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