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: Kathi

Thank you for prompt and hassle-free claim filing!

My little buddy had to have a tumor removed and tested for cancer. Have had Trupanion insurance for years and this was the 1st time having to file a claim. There are several options as to how to file - mail, email, fax - making it easy. The response and repayment was surprisingly fast - received an email in 1 or 2 days to let me know how much was covered and when to expect reimbursement. It's reassuring to know that my buddy is in good hands & will not be neglected good health care ...which makes for a happy pet-mom! Thank you, Trupanion!
5

out of 5

POSTED: | BY: Stephen

Our Max cat thanks you!

Max is now 14yo and retired from his former youtube fame. In youtube search window type: worldromer worlds best cat exercise video ... Enjoy. Max was not eating + some other symptoms. Diagnosis was lymphoma. Instead of dreaded news the Sage center oncologist prescribed a regimen of steroid + chemo pills w/98% no side effects. Max is doing great, gaining weight and with no overt symptomology. Docs say he can be with us for years to come. Bills over $2,000 and Trupanion came through for us.
5

out of 5

POSTED: | BY: Jennifer

Thank Goodness for Trupanion

We had a wonderful chocolate lab Maia who needed surgery for a tumor which turned out to be benign but was very costly and we had no insurance Towards the end of her life she would get diabetes which was another costly health issue. When we got our new Jack Russel puppy Rex we made sure to get Trupanion insurance just in case. We have use it a few times for minor issues over the years, but vet bills can be costly so having Trupanion has been great. Most recently, Rex is 6 years and gets into mischief. He got into some granola with raisins which can be toxic for dogs, so emergency and followup ran up to over $400. Then 5 months later he would get into a veggie mix with onions, another food toxic to dogs and another ER visit. We are happy to say Rex is healthy. Having Trupanion is a blessing. We have no deductible and they pay 90% of covered charges in a quick manner. Thank you Trupanion!
3

out of 5

POSTED: | BY: Scott

Bait and switch?

I must state at the beginning that Trupanion has been good with the ease of claim filing and claim responses. But one of the reasons I selected Trupanion was because they spouted that premium rates wouldn't go up due to your pet's age or type of illness. Of course the premiums did go up due to "higher costs from vets", "upgrading the policy" and/or pick a convenient excuse. My premium has more than doubled since its inception. Now my only recourse is to cancel and find another insurance company or play the up-your-deductible, lower-your-premium game. Very disappointed. It's a shame the CEO's, CFO's, etc. are ruining an otherwise good company just to line their pockets.
1

out of 5

POSTED: | BY: JW

Trupanion or Truscam...

I had my dog at the vet for her annual vaccines and a checkup, when my dog was examined, the vet found a broken tooth. They submitted a claim to TRUPANION , and they agreed to pay up to $1400. I set up an appointment , and had the Tooth extracted a couple of weeks later. I paid the the Vet my portion (less what Trupanion paid). 5 days later, I received a letter from Trupanion. They have reevaluated the claim. According to my dogs records, she had gingivitis on her teeth when she was 18 Months old. Therefore, we can not cover a broken tooth...... The letter also tells me to go back to the vet and pay them what they originally agreed to pay.
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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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