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: Debra

I love the assurance of Trupanion for my pet!

My Diva girl was diagnosed with hepatic lymphoma. She was very ill so I called Trupanion and ask if they could fast track reviewing records to see if this claim is approved. Within 2 days they had an approval for my beautiful girl. I was going to get her chemo, but her cancer was a T cell and t isn't as responsive as B cell. I decided not to put her through I. Se was in great pain so I decided to euthanize her to give her peace. Trupanion paid her claims within 1 day of being submitted. This isn't the first time I have had Trupanion for my beloved dogs and I would not hesitate to use them again.
1

out of 5

POSTED: | BY: Lawrence

Trupanion is a scam

DO NOT GET THIS INSURANCE. I got their "insurance" and then my dog got sick and was throwing up and pooping diarhhea. Took the dog to the vet, and the vet suggested a bunch of treatments and tests, and Trupanion took 3 hours to decide they were NOT going to pay anything. Total scam DO NOT BUY. I ended up paying for some of the tests out of pocket, and they didn't reimburse me for that either.
5

out of 5

POSTED: | BY: Ginny

Prompt no hassle payment

We never thought about pet insurance but after living through our first dog's mast cell cancer diagnosis and treatment we realized it was a must when we got our next dog. Our guy has had several mishaps-he ran into a car bumper of a stopped car (20 stitches); he was attacked by another dog which required more stitches and, as can happen with SharPei , he has developed several bouts of fever requiring overnight vet stays for IV fluid. Trupanion promptly paid each of these claims. Initially we had a high deductible but a couple of years ago we changed the policy to a 250 deductible and 90% coverage. The premium went up but it turned out to be well worth the price. A month ago our dog went into acute kidney failure. He spent 8 days in ICU at a wonderful hospital. He got great care and he is now on the mend. The stress of having our dog hospitalized, each day not knowing whether we'd need to make the decision to let him go was extremely stressful. Not worrying about the costs lifted a huge burden from us. We knew that based on prior experiences with Trupanion that they would honor our contract. We also called them to review our policy and the compassionate professional was very reassuring. Our dog's care continues and each bill is considered to be part of one event even though we have seen 3 different vets. Some meds needed to be purchased at our pharmacy- one med was 99. At this point the bills have totaled well over $10 K. Thank you to all the customer reps we've spoken to who have been kind, professional and compassionate and thank you to the claims department who have been quick to process the claims! Each claim was handled within a week! Fantastic company!
5

out of 5

POSTED: | BY: Carolyn

Missing My Beloved Pet

The claim was handled expediously.
5

out of 5

POSTED: | BY: Julia

Getting Trupanion was a great decision!!!

Nobody wants to have a sick pet and actually need to file a claim. But when my dog was diagnosed with a chronic illness, paying for her treatment was the last thing I had to worry about. Dealing with Trupanion has been such a pleasant experience. Every representative with whom I have spoken has been patient, kind, understanding, and beyond helpful. I truly appreciate everything they have done to help during this scary and difficult and emotional time.
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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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