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: arlene

One word...Awesome!

I can not express the gratitude for the staff at Trupanion. While I was waiting in the emergency vet clinic - my Great Dane with a possible onset of bloat/torsion - Trupanion called to inform that the pre approval request had been sent from the vet clinic. They then phone again and indicated the pre approval had been reviewed and APPROVED. Then to my amazement, direct billed between the vet clinic and Trupanion. the only items we would be required to pay would be the exclusions (a very small portion). So thankful to be dealing with an Insurance company that looks after the details and is proactively taking care of business!
5

out of 5

POSTED: | BY: Andrea

Fast, Friendly and efficient! 100% would recommend

Trupanion is a great company to deal with, they were honest and kept us updated on what was going on with the claims. We have submitted two claims directly through our vet and both claims were approved and refunded within a week or so of the procedures. Overall, I would gladly recommend them to any pet owner who is thinking about getting insurance.
5

out of 5

POSTED: | BY: Jessica

Fast service, reimbursed as per policy.

Great experience especially having only had my policy for about 6 weeks and a claim of over $3,000 they paid it no problem and within days of submission.
5

out of 5

POSTED: | BY: Martin

Process could not have been easier, We could not be happier

Our senior cat, Ben, developed hyperactive thyroid, which is a curable but fatal disease if not treated. He needed iodine radiation treatment, which is an elective procedure -- since there is a cheaper alternative -- giving Ben a pill every day for the rest of his life. That ain't happening! The cost of the iodine radiation procedure was over $2,000 and means we don't have to pill him every day. We feared that Trupanion would only pay the cost of the cheaper treatment option. Instead, Trupanion paid their portion of the whole bill immediately, and the vet did all the paperwork regarding the claim. We basically had to do nothing -- we just got our reimbursement check in the mail less than one week after the claim was made. We are definitely satisfied customers, and Ben is cured Thank you, Trupanion, for the speed and integrity of our claims process.
5

out of 5

POSTED: | BY: JOAN

Terrific..Great customer service and prompt

We have been so pleased with trupanion...Thank you very much...
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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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