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.
3

out of 5

POSTED: | BY: Crystal Michel

Excellent help

Nichole was excellent and helpful as much as she could be. but not happy about the outcome if I have to make a appeal every time I submit a claim when I was under the impression Izzy's toe nail is reoccurring incident and would have been covered then have to pay a deductible once again why even bother putting in a claim or have pet insurance
2

out of 5

POSTED: | BY: Mark Levin

Claims

Due to the very poor analysis of many of our claims, I will not be recommending Trupanion to anyone.
2

out of 5

POSTED: | BY: Dennis Directo

Pre-exisiting conditions

I actually ecstatically referred your program to 6 people in my office last week. Then, I had tried to use your program for the first time for new allergies my dog has started showing signs of and your first response is to decline my request?? Your team actually tried to relate an ear infection to his reaction when he's licking his paws...?? Are you kidding me?? Shouldn't he be licking his ears instead of his paws? His ears just needed to be cleaned...and You're going to decline me for that? They are totally unrelated. My dog is a new member of our family. He's in a new home, new owners, new food (I have no idea what he was eating before), new everything...he is still adjusting to his new place so naturally, this adjustment has caused issues. He was uprooted from his family that he's had in the last 5 years. This experience has made me regret signing up with you. I have since told all my friends about this experience and they have since contacted other pet insurance companies. I'm not at all impressed with how your group has handled this.
5

out of 5

POSTED: | BY: Karen Urbanski

like knowing I have the insurance when and if needed.

havent really had to make a great claim for my dogs but like knowing I have the insurance when and if needed. Very pleasant when called, knowledgeable and helpful . great that they have direct billing ! .I have 4 Chihuahuas on Trupanion ,so if have a claim I hope all goes smoothly .I do feel reassured having Trupanion .
5

out of 5

POSTED: | BY: Pam Reed

My vet submitted claim

My vet submitted claim and someone from Trupanion contacted me that the claim was accepted. Once my dogs surgery was over, the cheque arrived quickly.
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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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